Tabel bunga ekonomi teknik

newn42040_appB.qxd 1/5/04 10:52 AM Page 559

APPENDIX B

Compound Interest Tables Values of Interest Factors When N Equals Infinity Single Payment: (FP, i, ∞) = ∞ (PF, i, ∞) = 0 Arithmetic Gradient Series: (AG, i, ∞) = 1i (PG, i, ∞) = 1i2

559

Uniform Payment Series: (AF, i, ∞) = 0 (AP, i, ∞) = i (FA, i, ∞) = ∞ (PA, i, ∞) = 1i


560

COMPOUND INTEREST TABLES

1

/4%

1

Compound Interest Factors Single Payment

/4%

Uniform Payment Series

Arithmetic Gradient

n

Compound Amount Factor Find F Given P F/P

Present Worth Factor Find P Given F P/F

Sinking Fund Factor Find A Given F A/F

Capital Recovery Factor Find A Given P A/P

Compound Amount Factor Find F Given A F/A

Present Worth Factor Find P Given A P/A

Gradient Uniform Series Find A Given G A/G

Gradient Present Worth Find P Given G P/G

n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.003 1.005 1.008 1.010 1.013 1.015 1.018 1.020 1.023 1.025 1.028 1.030 1.033 1.036 1.038 1.041 1.043 1.046 1.049 1.051 1.054 1.056 1.059 1.062 1.064 1.067 1.070 1.072 1.075 1.078 1.094 1.105 1.127 1.133 1.139 1.162 1.191 1.197 1.221 1.233 1.252 1.271 1.284 1.297 1.349 1.821 2.457 3.315

.9975 .9950 .9925 .9901 .9876 .9851 .9827 .9802 .9778 .9753 .9729 .9705 .9681 .9656 .9632 .9608 .9584 .9561 .9537 .9513 .9489 .9465 .9442 .9418 .9395 .9371 .9348 .9325 .9301 .9278 .9140 .9049 .8871 .8826 .8782 .8609 .8396 .8355 .8189 .8108 .7987 .7869 .7790 .7713 .7411 .5492 .4070 .3016

1.0000 .4994 .3325 .2491 .1990 .1656 .1418 .1239 .1100 .0989 .0898 .0822 .0758 .0703 .0655 .0613 .0577 .0544 .0515 .0488 .0464 .0443 .0423 .0405 .0388 .0373 .0358 .0345 .0333 .0321 .0266 .0238 .0196 .0188 .0180 .0155 .0131 .0127 .0113 .0107 .00992 .00923 .00881 .00843 .00716 .00305 .00172 .00108

1.0025 .5019 .3350 .2516 .2015 .1681 .1443 .1264 .1125 .1014 .0923 .0847 .0783 .0728 .0680 .0638 .0602 .0569 .0540 .0513 .0489 .0468 .0448 .0430 .0413 .0398 .0383 .0370 .0358 .0346 .0291 .0263 .0221 .0213 .0205 .0180 .0156 .0152 .0138 .0132 .0124 .0117 .0113 .0109 .00966 .00555 .00422 .00358

1.000 2.003 3.008 4.015 5.025 6.038 7.053 8.070 9.091 10.113 11.139 12.167 13.197 14.230 15.266 16.304 17.344 18.388 19.434 20.482 21.534 22.587 23.644 24.703 25.765 26.829 27.896 28.966 30.038 31.114 37.621 42.014 50.932 53.189 55.458 64.647 76.395 78.780 88.440 93.343 100.789 108.349 113.451 118.605 139.743 328.306 582.745 926.074

0.998 1.993 2.985 3.975 4.963 5.948 6.931 7.911 8.889 9.864 10.837 11.807 12.775 13.741 14.704 15.665 16.624 17.580 18.533 19.485 20.434 21.380 22.324 23.266 24.206 25.143 26.078 27.010 27.940 28.868 34.387 38.020 45.179 46.947 48.705 55.653 64.144 65.817 72.427 75.682 80.504 85.255 88.383 91.480 103.563 180.312 237.191 279.343

0 0.504 1.005 1.501 1.998 2.498 2.995 3.490 3.987 4.483 4.978 5.474 5.968 6.464 6.957 7.451 7.944 8.437 8.929 9.421 9.912 10.404 10.894 11.384 11.874 12.363 12.852 13.341 13.828 14.317 17.234 19.171 23.025 23.984 24.941 28.755 33.485 34.426 38.173 40.037 42.820 45.588 47.425 49.256 56.512 107.590 152.894 192.673

0 1.005 2.999 5.966 9.916 14.861 20.755 27.611 35.440 44.216 53.950 64.634 76.244 88.826 102.301 116.716 132.063 148.319 165.492 183.559 202.531 222.435 243.212 264.854 287.407 310.848 335.150 360.343 386.366 413.302 592.632 728.882 1 040.22 1 125.96 1 214.76 1 600.31 2 147.87 2 265.81 2 764.74 3 030.06 3 447.19 3 886.62 4 191.60 4 505.93 5 852.52 19 399.75 36 264.96 53 821.93

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480


COMPOUND INTEREST TABLES 1

/2%

1


561 /2%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.005 1.010 1.015 1.020 1.025 1.030 1.036 1.041 1.046 1.051 1.056 1.062 1.067 1.072 1.078 1.083 1.088 1.094 1.099 1.105 1.110 1.116 1.122 1.127 1.133 1.138 1.144 1.150 1.156 1.161 1.197 1.221 1.270 1.283 1.296 1.349 1.418 1.432 1.490 1.520 1.567 1.614 1.647 1.680 1.819 3.310 6.023 10.957

.9950 .9901 .9851 .9802 .9754 .9705 .9657 .9609 .9561 .9513 .9466 .9419 .9372 .9326 .9279 .9233 .9187 .9141 .9096 .9051 .9006 .8961 .8916 .8872 .8828 .8784 .8740 .8697 .8653 .8610 .8356 .8191 .7871 .7793 .7716 .7414 .7053 .6983 .6710 .6577 .6383 .6195 .6073 .5953 .5496 .3021 .1660 .0913

1.0000 .4988 .3317 .2481 .1980 .1646 .1407 .1228 .1089 .0978 .0887 .0811 .0746 .0691 .0644 .0602 .0565 .0532 .0503 .0477 .0453 .0431 .0411 .0393 .0377 .0361 .0347 .0334 .0321 .0310 .0254 .0226 .0185 .0177 .0169 .0143 .0120 .0116 .0102 .00961 .00883 .00814 .00773 .00735 .00610 .00216 .00100 .00050

1.0050 .5038 .3367 .2531 .2030 .1696 .1457 .1278 .1139 .1028 .0937 .0861 .0796 .0741 .0694 .0652 .0615 .0582 .0553 .0527 .0503 .0481 .0461 .0443 .0427 .0411 .0397 .0384 .0371 .0360 .0304 .0276 .0235 .0227 .0219 .0193 .0170 .0166 .0152 .0146 .0138 .0131 .0127 .0124 .0111 .00716 .00600 .00550

1.000 2.005 3.015 4.030 5.050 6.076 7.106 8.141 9.182 10.228 11.279 12.336 13.397 14.464 15.537 16.614 17.697 18.786 19.880 20.979 22.084 23.194 24.310 25.432 26.559 27.692 28.830 29.975 31.124 32.280 39.336 44.159 54.098 56.645 59.218 69.770 83.566 86.409 98.068 104.074 113.311 122.829 129.334 135.970 163.880 462.041 1 004.5 1 991.5

0.995 1.985 2.970 3.951 4.926 5.896 6.862 7.823 8.779 9.730 10.677 11.619 12.556 13.489 14.417 15.340 16.259 17.173 18.082 18.987 19.888 20.784 21.676 22.563 23.446 24.324 25.198 26.068 26.933 27.794 32.871 36.172 42.580 44.143 45.690 51.726 58.939 60.340 65.802 68.453 72.331 76.095 78.543 80.942 90.074 139.581 166.792 181.748

0 0.499 0.996 1.494 1.990 2.486 2.980 3.474 3.967 4.459 4.950 5.441 5.931 6.419 6.907 7.394 7.880 8.366 8.850 9.334 9.817 10.300 10.781 11.261 11.741 12.220 12.698 13.175 13.651 14.127 16.962 18.836 22.544 23.463 24.378 28.007 32.468 33.351 36.848 38.576 41.145 43.685 45.361 47.025 53.551 96.113 128.324 151.795

0 0.991 2.959 5.903 9.803 14.660 20.448 27.178 34.825 43.389 52.855 63.218 74.465 86.590 99.574 113.427 128.125 143.668 160.037 177.237 195.245 214.070 233.680 254.088 275.273 297.233 319.955 343.439 367.672 392.640 557.564 681.341 959.928 1 035.70 1 113.82 1 448.65 1 913.65 2 012.35 2 424.65 2 640.67 2 976.08 3 324.19 3 562.80 3 806.29 4 823.52 13 415.56 21 403.32 27 588.37

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480


562


3

/4%

3


/4%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.008 1.015 1.023 1.030 1.038 1.046 1.054 1.062 1.070 1.078 1.086 1.094 1.102 1.110 1.119 1.127 1.135 1.144 1.153 1.161 1.170 1.179 1.188 1.196 1.205 1.214 1.224 1.233 1.242 1.251 1.309 1.348 1.431 1.453 1.475 1.566 1.687 1.713 1.818 1.873 1.959 2.049 2.111 2.175 2.451 6.009 14.731 36.111

.9926 .9852 .9778 .9706 .9633 .9562 .9490 .9420 .9350 .9280 .9211 .9142 .9074 .9007 .8940 .8873 .8807 .8742 .8676 .8612 .8548 .8484 .8421 .8358 .8296 .8234 .8173 .8112 .8052 .7992 .7641 .7416 .6986 .6882 .6780 .6387 .5927 .5839 .5500 .5338 .5104 .4881 .4737 .4597 .4079 .1664 .0679 .0277

1.0000 .4981 .3308 .2472 .1970 .1636 .1397 .1218 .1078 .0967 .0876 .0800 .0735 .0680 .0632 .0591 .0554 .0521 .0492 .0465 .0441 .0420 .0400 .0382 .0365 .0350 .0336 .0322 .0310 .0298 .0243 .0215 .0174 .0166 .0158 .0133 .0109 .0105 .00917 .00859 .00782 .00715 .00675 .00638 .00517 .00150 .00055 .00021

1.0075 .5056 .3383 .2547 .2045 .1711 .1472 .1293 .1153 .1042 .0951 .0875 .0810 .0755 .0707 .0666 .0629 .0596 .0567 .0540 .0516 .0495 .0475 .0457 .0440 .0425 .0411 .0397 .0385 .0373 .0318 .0290 .0249 .0241 .0233 .0208 .0184 .0180 .0167 .0161 .0153 .0147 .0143 .0139 .0127 .00900 .00805 .00771

1.000 2.008 3.023 4.045 5.076 6.114 7.160 8.213 9.275 10.344 11.422 12.508 13.602 14.704 15.814 16.932 18.059 19.195 20.339 21.491 22.653 23.823 25.001 26.189 27.385 28.591 29.805 31.029 32.261 33.503 41.153 46.447 57.521 60.395 63.312 75.425 91.621 95.008 109.074 116.428 127.881 139.858 148.147 156.687 193.517 667.901 1 830.8 4 681.5

0.993 1.978 2.956 3.926 4.889 5.846 6.795 7.737 8.672 9.600 10.521 11.435 12.342 13.243 14.137 15.024 15.905 16.779 17.647 18.508 19.363 20.211 21.053 21.889 22.719 23.542 24.360 25.171 25.976 26.775 31.447 34.447 40.185 41.567 42.928 48.174 54.305 55.477 59.995 62.154 65.275 68.259 70.175 72.035 78.942 111.145 124.282 129.641

0 0.499 0.996 1.492 1.986 2.479 2.971 3.462 3.951 4.440 4.927 5.412 5.897 6.380 6.862 7.343 7.822 8.300 8.777 9.253 9.727 10.201 10.673 11.143 11.613 12.081 12.548 13.014 13.479 13.942 16.696 18.507 22.070 22.949 23.822 27.268 31.465 32.289 35.540 37.137 39.496 41.812 43.332 44.834 50.653 85.422 107.115 119.662

0 0.987 2.943 5.857 9.712 14.494 20.187 26.785 34.265 42.619 51.831 61.889 72.779 84.491 97.005 110.318 124.410 139.273 154.891 171.254 188.352 206.170 224.695 243.924 263.834 284.421 305.672 327.576 350.122 373.302 525.038 637.519 886.899 953.911 1 022.64 1 313.59 1 708.68 1 791.33 2 132.23 2 308.22 2 578.09 2 854.04 3 040.85 3 229.60 3 998.68 9 494.26 13 312.50 15 513.16

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480


COMPOUND INTEREST TABLES 1%


563 1%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.010 1.020 1.030 1.041 1.051 1.062 1.072 1.083 1.094 1.105 1.116 1.127 1.138 1.149 1.161 1.173 1.184 1.196 1.208 1.220 1.232 1.245 1.257 1.270 1.282 1.295 1.308 1.321 1.335 1.348 1.431 1.489 1.612 1.645 1.678 1.817 2.007 2.047 2.217 2.307 2.449 2.599 2.705 2.815 3.300 10.893 35.950 118.648

.9901 .9803 .9706 .9610 .9515 .9420 .9327 .9235 .9143 .9053 .8963 .8874 .8787 .8700 .8613 .8528 .8444 .8360 .8277 .8195 .8114 .8034 .7954 .7876 .7798 .7720 .7644 .7568 .7493 .7419 .6989 .6717 .6203 .6080 .5961 .5504 .4983 .4885 .4511 .4335 .4084 .3847 .3697 .3553 .3030 .0918 .0278 .00843

1.0000 .4975 .3300 .2463 .1960 .1625 .1386 .1207 .1067 .0956 .0865 .0788 .0724 .0669 .0621 .0579 .0543 .0510 .0481 .0454 .0430 .0409 .0389 .0371 .0354 .0339 .0324 .0311 .0299 .0287 .0232 .0205 .0163 .0155 .0148 .0122 .00993 .00955 .00822 .00765 .00690 .00625 .00587 .00551 .00435 .00101 .00029 .00008

1.0100 .5075 .3400 .2563 .2060 .1725 .1486 .1307 .1167 .1056 .0965 .0888 .0824 .0769 .0721 .0679 .0643 .0610 .0581 .0554 .0530 .0509 .0489 .0471 .0454 .0439 .0424 .0411 .0399 .0387 .0332 .0305 .0263 .0255 .0248 .0222 .0199 .0196 .0182 .0177 .0169 .0163 .0159 .0155 .0143 .0110 .0103 .0101

1.000 2.010 3.030 4.060 5.101 6.152 7.214 8.286 9.369 10.462 11.567 12.682 13.809 14.947 16.097 17.258 18.430 19.615 20.811 22.019 23.239 24.472 25.716 26.973 28.243 29.526 30.821 32.129 33.450 34.785 43.077 48.886 61.223 64.463 67.769 81.670 100.676 104.710 121.671 130.672 144.863 159.927 170.481 181.464 230.039 989.254 3 495.0 11 764.8

0.990 1.970 2.941 3.902 4.853 5.795 6.728 7.652 8.566 9.471 10.368 11.255 12.134 13.004 13.865 14.718 15.562 16.398 17.226 18.046 18.857 19.660 20.456 21.243 22.023 22.795 23.560 24.316 25.066 25.808 30.107 32.835 37.974 39.196 40.394 44.955 50.168 51.150 54.888 56.648 59.161 61.528 63.029 64.471 69.701 90.819 97.218 99.157

0 0.498 0.993 1.488 1.980 2.471 2.960 3.448 3.934 4.418 4.900 5.381 5.861 6.338 6.814 7.289 7.761 8.232 8.702 9.169 9.635 10.100 10.563 11.024 11.483 11.941 12.397 12.852 13.304 13.756 16.428 18.178 21.598 22.436 23.269 26.533 30.470 31.239 34.249 35.717 37.872 39.973 41.343 42.688 47.835 75.739 89.699 95.920

0 0.980 2.921 5.804 9.610 14.320 19.917 26.381 33.695 41.843 50.806 60.568 71.112 82.422 94.481 107.273 120.783 134.995 149.895 165.465 181.694 198.565 216.065 234.179 252.892 272.195 292.069 312.504 333.486 355.001 494.620 596.854 820.144 879.417 939.916 1 192.80 1 528.64 1 597.86 1 879.87 2 023.31 2 240.56 2 459.42 2 605.77 2 752.17 3 334.11 6 878.59 8 720.43 9 511.15

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480


564


1 1/4%

1 1/4%



Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.013 1.025 1.038 1.051 1.064 1.077 1.091 1.104 1.118 1.132 1.146 1.161 1.175 1.190 1.205 1.220 1.235 1.251 1.266 1.282 1.298 1.314 1.331 1.347 1.364 1.381 1.399 1.416 1.434 1.452 1.564 1.644 1.845 1.861 1.908 2.107 2.386 2.446 2.701 2.839 3.059 3.296 3.463 3.640 4.440 19.716 87.543 388.713

.9877 .9755 .9634 .9515 .9398 .9282 .9167 .9054 .8942 .8832 .8723 .8615 .8509 .8404 .8300 .8197 .8096 .7996 .7898 .7800 .7704 .7609 .7515 .7422 .7330 .7240 .7150 .7062 .6975 .6889 .6394 .6084 .5509 .5373 .5242 .4746 .4191 .4088 .3702 .3522 .3269 .3034 .2887 .2747 .2252 .0507 .0114 .00257

1.0000 .4969 .3292 .2454 .1951 .1615 .1376 .1196 .1057 .0945 .0854 .0778 .0713 .0658 .0610 .0568 .0532 .0499 .0470 .0443 .0419 .0398 .0378 .0360 .0343 .0328 .0314 .0300 .0288 .0277 .0222 .0194 .0153 .0145 .0138 .0113 .00902 .00864 .00735 .00680 .00607 .00545 .00507 .00474 .00363 .00067 .00014 .00003

1.0125 .5094 .3417 .2579 .2076 .1740 .1501 .1321 .1182 .1070 .0979 .0903 .0838 .0783 .0735 .0693 .0657 .0624 .0595 .0568 .0544 .0523 .0503 .0485 .0468 .0453 .0439 .0425 .0413 .0402 .0347 .0319 .0278 .0270 .0263 .0238 .0215 .0211 .0198 .0193 .0186 .0179 .0176 .0172 .0161 .0132 .0126 .0125

1.000 2.013 3.038 4.076 5.127 6.191 7.268 8.359 9.463 10.582 11.714 12.860 14.021 15.196 16.386 17.591 18.811 20.046 21.297 22.563 23.845 25.143 26.458 27.788 29.136 30.500 31.881 32.280 34.696 36.129 45.116 51.490 65.229 68.882 72.628 88.575 110.873 115.675 136.120 147.130 164.706 183.643 197.074 211.190 275.220 1 497.3 6 923.4 31 017.1

0.988 1.963 2.927 3.878 4.818 5.746 6.663 7.568 8.462 9.346 10.218 11.079 11.930 12.771 13.601 14.420 15.230 16.030 16.849 17.599 18.370 19.131 19.882 20.624 21.357 22.081 22.796 23.503 24.200 24.889 28.847 31.327 35.932 37.013 38.068 42.035 46.470 47.293 50.387 51.822 53.846 55.725 56.901 58.021 61.983 75.942 79.086 79.794

0 0.497 0.992 1.485 1.976 2.464 2.951 3.435 3.918 4.398 4.876 5.352 5.827 6.299 6.769 7.237 7.702 8.166 8.628 9.088 9.545 10.001 10.455 10.906 11.355 11.803 12.248 12.691 13.133 13.572 16.164 17.852 21.130 21.930 22.722 25.809 29.492 30.205 32.983 34.326 36.286 38.180 39.406 40.604 45.119 67.177 75.840 78.762

0 0.976 2.904 5.759 9.518 14.160 19.660 25.998 33.152 41.101 49.825 59.302 69.513 80.438 92.058 104.355 117.309 130.903 145.119 159.940 175.348 191.327 207.859 224.930 242.523 260.623 279.215 298.284 317.814 337.792 466.297 559.247 759.248 811.692 864.960 1 084.86 1 370.47 1 428.48 1 661.89 1 778.86 1 953.85 2 127.55 2 242.26 2 355.90 2 796.59 5 101.55 5 997.91 6 284.74

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480


COMPOUND INTEREST TABLES 1 1/2%

1 1/2%


565


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.015 1.030 1.046 1.061 1.077 1.093 1.110 1.126 1.143 1.161 1.178 1.196 1.214 1.232 1.250 1.269 1.288 1.307 1.327 1.347 1.367 1.388 1.408 1.430 1.451 1.473 1.495 1.517 1.540 1.563 1.709 1.814 2.043 2.105 2.169 2.443 2.835 2.921 3.291 3.493 3.819 4.176 4.432 4.704 5.969 35.632 212.700 1 269.7

.9852 .9707 .9563 .9422 .9283 .9145 .9010 .8877 .8746 .8617 .8489 .8364 .8240 .8118 .7999 .7880 .7764 .7649 .7536 .7425 .7315 .7207 .7100 .6995 .6892 .6790 .6690 .6591 .6494 .6398 .5851 .5513 .4894 .4750 .4611 .4093 .3527 .3423 .3039 .2863 .2619 .2395 .2256 .2126 .1675 .0281 .00470 .00079

1.0000 .4963 .3284 .2444 .1941 .1605 .1366 .1186 .1046 .0934 .0843 .0767 .0702 .0647 .0599 .0558 .0521 .0488 .0459 .0432 .0409 .0387 .0367 .0349 .0333 .0317 .0303 .0290 .0278 .0266 .0212 .0184 .0144 .0136 .0128 .0104 .00817 .00781 .00655 .00602 .00532 .00472 .00437 .00405 .00302 .00043 .00007 .00001

1.0150 .5113 .3434 .2594 .2091 .1755 .1516 .1336 .1196 .1084 .0993 .0917 .0852 .0797 .0749 .0708 .0671 .0638 .0609 .0582 .0559 .0537 .0517 .0499 .0483 .0467 .0453 .0440 .0428 .0416 .0362 .0334 .0294 .0286 .0278 .0254 .0232 .0228 .0215 .0210 .0203 .0197 .0194 .0190 .0180 .0154 .0151 .0150

1.000 2.015 3.045 4.091 5.152 6.230 7.323 8.433 9.559 10.703 11.863 13.041 14.237 15.450 16.682 17.932 19.201 20.489 21.797 23.124 24.470 25.837 27.225 28.633 30.063 31.514 32.987 34.481 35.999 37.539 47.276 54.268 69.565 73.682 77.925 96.214 122.363 128.076 152.710 166.172 187.929 211.719 228.802 246.932 331.286 2 308.8 14 113.3 84 577.8

0.985 1.956 2.912 3.854 4.783 5.697 6.598 7.486 8.360 9.222 10.071 10.907 11.731 12.543 13.343 14.131 14.908 15.673 16.426 17.169 17.900 18.621 19.331 20.030 20.720 21.399 22.068 22.727 23.376 24.016 27.661 29.916 34.042 35.000 35.929 39.380 43.155 43.845 46.407 47.579 49.210 50.702 51.625 52.494 55.498 64.796 66.353 66.614

0 0.496 0.990 1.481 1.970 2.456 2.940 3.422 3.901 4.377 4.851 5.322 5.791 6.258 6.722 7.184 7.643 8.100 8.554 9.005 9.455 9.902 10.346 10.788 11.227 11.664 12.099 12.531 12.961 13.388 15.901 17.528 20.666 21.428 22.179 25.093 28.529 29.189 31.742 32.967 34.740 36.438 37.529 38.589 42.518 59.737 64.966 66.288

0 0.970 2.883 5.709 9.422 13.994 19.400 25.614 32.610 40.365 48.855 58.054 67.943 78.496 89.694 101.514 113.937 126.940 140.505 154.611 169.241 184.375 199.996 216.085 232.626 249.601 266.995 284.790 302.972 321.525 439.823 524.349 703.537 749.955 796.868 988.157 1 231.15 1 279.78 1 473.06 1 568.50 1 709.53 1 847.46 1 937.43 2 025.69 2 359.69 3 870.68 4 310.71 4 415.74

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480


566


1 3/4%

1 3/4%



Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.018 1.035 1.053 1.072 1.091 1.110 1.129 1.149 1.169 1.189 1.210 1.231 1.253 1.275 1.297 1.320 1.343 1.367 1.390 1.415 1.440 1.465 1.490 1.516 1.543 1.570 1.597 1.625 1.654 1.683 1.867 2.002 2.300 2.381 2.465 2.832 3.368 3.487 4.006 4.294 4.765 5.288 5.668 6.075 8.019 64.308 515.702 4 135.5

.9828 .9659 .9493 .9330 .9169 .9011 .8856 .8704 .8554 .8407 .8263 .8121 .7981 .7844 .7709 .7576 .7446 .7318 .7192 .7068 .6947 .6827 .6710 .6594 .6481 .6369 .6260 .6152 .6046 .5942 .5355 .4996 .4349 .4200 .4057 .3531 .2969 .2868 .2496 .2329 .2098 .1891 .1764 .1646 .1247 .0156 .00194 .00024

1.0000 .4957 .3276 .2435 .1931 .1595 .1355 .1175 .1036 .0924 .0832 .0756 .0692 .0637 .0589 .0547 .0510 .0477 .0448 .0422 .0398 .0377 .0357 .0339 .0322 .0307 .0293 .0280 .0268 .0256 .0202 .0175 .0135 .0127 .0119 .00955 .00739 .00704 .00582 .00531 .00465 .00408 .00375 .00345 .00249 .00028 .00003

1.0175 .5132 .3451 .2610 .2106 .1770 .1530 .1350 .1211 .1099 .1007 .0931 .0867 .0812 .0764 .0722 .0685 .0652 .0623 .0597 .0573 .0552 .0532 .0514 .0497 .0482 .0468 .0455 .0443 .0431 .0377 .0350 .0310 .0302 .0294 .0271 .0249 .0245 .0233 .0228 .0221 .0216 .0212 .0209 .0200 .0178 .0175 .0175

1.000 2.018 3.053 4.106 5.178 6.269 7.378 8.508 9.656 10.825 12.015` 13.225 14.457 15.710 16.985 18.282 19.602 20.945 22.311 23.702 25.116 26.556 28.021 29.511 31.028 32.571 34.141 35.738 37.363 39.017 49.566 57.234 74.263 78.903 83.706 104.676 135.331 142.127 171.795 188.246 215.166 245.039 266.753 290.028 401.099 3 617.6 29 411.5 236 259.0

0.983 1.949 2.898 3.831 4.748 5.649 6.535 7.405 8.261 9.101 9.928 10.740 11.538 12.322 13.093 13.851 14.595 15.327 16.046 16.753 17.448 18.130 18.801 19.461 20.109 20.746 21.372 21.987 22.592 23.186 26.543 28.594 32.294 33.141 33.960 36.964 40.178 40.757 42.880 43.836 45.152 46.337 47.062 47.737 50.017 56.254 57.032 57.129

0 0.496 0.989 1.478 1.965 2.450 2.931 3.409 3.885 4.357 4.827 5.294 5.758 6.219 6.677 7.132 7.584 8.034 8.481 8.924 9.365 9.804 10.239 10.671 11.101 11.528 11.952 12.373 12.791 13.206 15.640 17.207 20.209 20.932 21.644 24.389 27.586 28.195 30.533 31.644 33.241 34.756 35.721 36.652 40.047 53.352 56.443 57.027

0 0.966 2.865 5.664 9.332 13.837 19.152 25.245 32.088 39.655 47.918 56.851 66.428 76.625 87.417 98.782 110.695 123.136 136.081 149.511 163.405 177.742 192.503 207.671 223.225 239.149 255.425 272.036 288.967 306.200 415.130 492.017 652.612 693.708 735.039 901.503 1 108.34 1 149.12 1 309.25 1 387.16 1 500.88 1 610.48 1 681.09 1 749.68 2 003.03 3 001.27 3 219.08 3 257.88

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480




567 2%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480

1.020 1.040 1.061 1.082 1.104 1.126 1.149 1.172 1.195 1.219 1.243 1.268 1.294 1.319 1.346 1.373 1.400 1.428 1.457 1.486 1.516 1.546 1.577 1.608 1.641 1.673 1.707 1.741 1.776 1.811 2.040 2.208 2.587 2.692 2.800 3.281 4.000 4.161 4.875 5.277 5.943 6.693 7.245 7.842 10.765 115.887 1 247.5 13 429.8

.9804 .9612 .9423 .9238 .9057 .8880 .8706 .8535 .8368 .8203 .8043 .7885 .7730 .7579 .7430 .7284 .7142 .7002 .6864 .6730 .6598 .6468 .6342 .6217 .6095 .5976 .5859 .5744 .5631 .5521 .4902 .4529 .3865 .3715 .3571 .3048 .2500 .2403 .2051 .1895 .1683 .1494 .1380 .1275 .0929 .00863 .00080 .00007

1.0000 .4951 .3268 .2426 .1922 .1585 .1345 .1165 .1025 .0913 .0822 .0746 .0681 .0626 .0578 .0537 .0500 .0467 .0438 .0412 .0388 .0366 .0347 .0329 .0312 .0297 .0283 .0270 .0258 .0247 .0192 .0166 .0126 .0118 .0111 .00877 .00667 .00633 .00516 .00468 .00405 .00351 .00320 .00292 .00205 .00017 .00002

1.0200 .5151 .3468 .2626 .2122 .1785 .1545 .1365 .1225 .1113 .1022 .0946 .0881 .0826 .0778 .0737 .0700 .0667 .0638 .0612 .0588 .0566 .0547 .0529 .0512 .0497 .0483 .0470 .0458 .0447 .0392 .0366 .0326 .0318 .0311 .0288 .0267 .0263 .0252 .0247 .0240 .0235 .0232 .0229 .0220 .0202 .0200 .0200

1.000 2.020 3.060 4.122 5.204 6.308 7.434 8.583 9.755 10.950 12.169 13.412 14.680 15.974 17.293 18.639 20.012 21.412 22.840 24.297 25.783 27.299 28.845 30.422 32.030 33.671 35.344 37.051 38.792 40.568 51.994 60.402 79.353 84.579 90.016 114.051 149.977 158.056 193.771 213.865 247.155 284.645 312.230 342.090 488.255 5 744.4 62 326.8 671 442.0

0.980 1.942 2.884 3.808 4.713 5.601 6.472 7.325 8.162 8.983 9.787 10.575 11.348 12.106 12.849 13.578 14.292 14.992 15.678 16.351 17.011 17.658 18.292 18.914 19.523 20.121 20.707 21.281 21.844 22.396 25.489 27.355 30.673 31.424 32.145 34.761 37.499 37.984 39.744 40.525 41.587 42.529 43.098 43.624 45.355 49.569 49.960 49.996

0 0.495 0.987 1.475 1.960 2.442 2.921 3.396 3.868 4.337 4.802 5.264 5.723 6.178 6.631 7.080 7.526 7.968 8.407 8.843 9.276 9.705 10.132 10.555 10.974 11.391 11.804 12.214 12.621 13.025 15.381 16.888 19.755 20.442 21.116 23.696 26.663 27.223 29.357 30.361 31.793 33.137 33.986 34.799 37.711 47.911 49.711 49.964

0 0.961 2.846 5.617 9.240 13.679 18.903 24.877 31.571 38.954 46.996 55.669 64.946 74.798 85.200 96.127 107.553 119.456 131.812 144.598 157.793 171.377 185.328 199.628 214.256 229.196 244.428 259.936 275.703 291.713 392.036 461.989 605.961 642.355 678.779 823.692 999.829 1 034.050 1 166.781 1 230.413 1 322.164 1 409.291 1 464.747 1 518.082 1 710.411 2 374.878 2 483.567 2 498.027

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 36 40 48 50 52 60 70 72 80 84 90 96 100 104 120 240 360 480


568


2 1/2%

2 1/2%



Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.025 1.051 1.077 1.104 1.131 1.160 1.189 1.218 1.249 1.280 1.312 1.345 1.379 1.413 1.448 1.485 1.522 1.560 1.599 1.639 1.680 1.722 1.765 1.809 1.854 1.900 1.948 1.996 2.046 2.098 2.150 2.204 2.259 2.315 2.373 2.685 3.038 3.437 3.889 4.400 4.978 5.632 6.372 7.210 8.157 9.229 10.442 11.814

.9756 .9518 .9286 .9060 .8839 .8623 .8413 .8207 .8007 .7812 .7621 .7436 .7254 .7077 .6905 .6736 .6572 .6412 .6255 .6103 .5954 .5809 .5667 .5529 .5394 .5262 .5134 .5009 .4887 .4767 .4651 .4538 .4427 .4319 .4214 .3724 .3292 .2909 .2572 .2273 .2009 .1776 .1569 .1387 .1226 .1084 .0958 .0846

1.0000 .4938 .3251 .2408 .1902 .1566 .1325 .1145 .1005 .0893 .0801 .0725 .0660 .0605 .0558 .0516 .0479 .0447 .0418 .0391 .0368 .0346 .0327 .0309 .0293 .0278 .0264 .0251 .0239 .0228 .0217 .0208 .0199 .0190 .0182 .0148 .0123 .0103 .00865 .00735 .00628 .00540 .00465 .00403 .00349 .00304 .00265 .00231

1.0250 .5188 .3501 .2658 .2152 .1816 .1575 .1395 .1255 .1143 .1051 .0975 .0910 .0855 .0808 .0766 .0729 .0697 .0668 .0641 .0618 .0596 .0577 .0559 .0543 .0528 .0514 .0501 .0489 .0478 .0467 .0458 .0449 .0440 .0432 .0398 .0373 .0353 .0337 .0324 .0313 .0304 .0297 .0290 .0285 .0280 .0276 .0273

1.000 2.025 3.076 4.153 5.256 6.388 7.547 8.736 9.955 11.203 12.483 13.796 15.140 16.519 17.932 19.380 20.865 22.386 23.946 25.545 27.183 28.863 30.584 32.349 34.158 36.012 37.912 39.860 41.856 43.903 46.000 48.150 50.354 52.613 54.928 67.402 81.516 97.484 115.551 135.991 159.118 185.284 214.888 248.382 286.278 329.154 377.663 432.548

0.976 1.927 2.856 3.762 4.646 5.508 6.349 7.170 7.971 8.752 9.514 10.258 10.983 11.691 12.381 13.055 13.712 14.353 14.979 15.589 16.185 16.765 17.332 17.885 18.424 18.951 19.464 19.965 20.454 20.930 21.395 24.849 22.292 22.724 23.145 25.103 26.833 28.362 29.714 30.909 31.965 32.898 33.723 34.452 35.096 35.666 36.169 36.614

0 0.494 0.984 1.469 1.951 2.428 2.901 3.370 3.835 4.296 4.753 5.206 5.655 6.100 6.540 6.977 7.409 7.838 8.262 8.682 9.099 9.511 9.919 10.324 10.724 11.120 11.513 11.901 12.286 12.667 13.044 13.417 13.786 14.151 14.512 16.262 17.918 19.484 20.961 22.352 23.660 24.888 26.039 27.117 28.123 29.063 29.938 30.752

0 0.952 2.809 5.527 9.062 13.374 18.421 24.166 30.572 37.603 45.224 53.403 62.108 71.309 80.975 91.080 101.595 112.495 123.754 135.349 147.257 159.455 171.922 184.638 197.584 210.740 224.088 237.612 251.294 265.120 279.073 293.140 307.306 321.559 335.886 408.221 480.806 552.607 622.827 690.865 756.280 818.763 878.114 934.217 987.026 1 036.54 1 082.83 1 125.97

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100




569 3%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.030 1.061 1.093 1.126 1.159 1.194 1.230 1.267 1.305 1.344 1.384 1.426 1.469 1.513 1.558 1.605 1.653 1.702 1.754 1.806 1.860 1.916 1.974 2.033 2.094 2.157 2.221 2.288 2.357 2.427 2.500 2.575 2.652 2.732 2.814 3.262 3.782 4.384 5.082 5.892 6.830 7.918 9.179 10.641 12.336 14.300 16.578 19.219

.9709 .9426 .9151 .8885 .8626 .8375 .8131 .7894 .7664 .7441 .7224 .7014 .6810 .6611 .6419 .6232 .6050 .5874 .5703 .5537 .5375 .5219 .5067 .4919 .4776 .4637 .4502 .4371 .4243 .4120 .4000 .3883 .3770 .3660 .3554 .3066 .2644 .2281 .1968 .1697 .1464 .1263 .1089 .0940 .0811 .0699 .0603 .0520

1.0000 .4926 .3235 .2390 .1884 .1546 .1305 .1125 .0984 .0872 .0781 .0705 .0640 .0585 .0538 .0496 .0460 .0427 .0398 .0372 .0349 .0327 .0308 .0290 .0274 .0259 .0246 .0233 .0221 .0210 .0200 .0190 .0182 .0173 .0165 .0133 .0108 .00887 .00735 .00613 .00515 .00434 .00367 .00311 .00265 .00226 .00193 .00165

1.0300 .5226 .3535 .2690 .2184 .1846 .1605 .1425 .1284 .1172 .1081 .1005 .0940 .0885 .0838 .0796 .0760 .0727 .0698 .0672 .0649 .0627 .0608 .0590 .0574 .0559 .0546 .0533 .0521 .0510 .0500 .0490 .0482 .0473 .0465 .0433 .0408 .0389 .0373 .0361 .0351 .0343 .0337 .0331 .0326 .0323 .0319 .0316

1.000 2.030 3.091 4.184 5.309 6.468 7.662 8.892 10.159 11.464 12.808 14.192 15.618 17.086 18.599 20.157 21.762 23.414 25.117 26.870 28.676 30.537 32.453 34.426 36.459 38.553 40.710 42.931 45.219 47.575 50.003 52.503 55.078 57.730 60.462 75.401 92.720 112.797 136.072 163.053 194.333 230.594 272.631 321.363 377.857 443.349 519.272 607.287

0.971 1.913 2.829 3.717 4.580 5.417 6.230 7.020 7.786 8.530 9.253 9.954 10.635 11.296 11.938 12.561 13.166 13.754 14.324 14.877 15.415 15.937 16.444 16.936 17.413 17.877 18.327 18.764 19.188 19.600 20.000 20.389 20.766 21.132 21.487 23.115 24.519 25.730 26.774 27.676 28.453 29.123 29.702 30.201 30.631 31.002 31.323 31.599

0 0.493 0.980 1.463 1.941 2.414 2.882 3.345 3.803 4.256 4.705 5.148 5.587 6.021 6.450 6.874 7.294 7.708 8.118 8.523 8.923 9.319 9.709 10.095 10.477 10.853 11.226 11.593 11.956 12.314 12.668 13.017 13.362 13.702 14.037 15.650 17.156 18.558 19.860 21.067 22.184 23.215 24.163 25.035 25.835 26.567 27.235 27.844

0 0.943 2.773 5.438 8.889 13.076 17.955 23.481 29.612 36.309 43.533 51.248 59.419 68.014 77.000 86.348 96.028 106.014 116.279 126.799 137.549 148.509 159.656 170.971 182.433 194.026 205.731 217.532 229.413 241.361 253.361 265.399 277.464 289.544 301.627 361.750 420.632 477.480 531.741 583.052 631.201 676.087 717.698 756.086 791.353 823.630 853.074 879.854

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100


570


3 1/2%

3 1/2%



Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.035 1.071 1.109 1.148 1.188 1.229 1.272 1.317 1.363 1.411 1.460 1.511 1.564 1.619 1.675 1.734 1.795 1.857 1.922 1.990 2.059 2.132 2.206 2.283 2.363 2.446 2.532 2.620 2.712 2.807 2.905 3.007 3.112 3.221 3.334 3.959 4.702 5.585 6.633 7.878 9.357 11.113 13.199 15.676 18.618 22.112 26.262 31.191

.9662 .9335 .9019 .8714 .8420 .8135 .7860 .7594 .7337 .7089 .6849 .6618 .6394 .6178 .5969 .5767 .5572 .5384 .5202 .5026 .4856 .4692 .4533 .4380 .4231 .4088 .3950 .3817 .3687 .3563 .3442 .3326 .3213 .3105 .3000 .2526 .2127 .1791 .1508 .1269 .1069 .0900 .0758 .0638 .0537 .0452 .0381 .0321

1.0000 .4914 .3219 .2373 .1865 .1527 .1285 .1105 .0964 .0852 .0761 .0685 .0621 .0566 .0518 .0477 .0440 .0408 .0379 .0354 .0330 .0309 .0290 .0273 .0257 .0242 .0229 .0216 .0204 .0194 .0184 .0174 .0166 .0158 .0150 .0118 .00945 .00763 .00621 .00509 .00419 .00346 .00287 .00238 .00199 .00166 .00139 .00116

1.0350 .5264 .3569 .2723 .2215 .1877 .1635 .1455 .1314 .1202 .1111 .1035 .0971 .0916 .0868 .0827 .0790 .0758 .0729 .0704 .0680 .0659 .0640 .0623 .0607 .0592 .0579 .0566 .0554 .0544 .0534 .0524 .0516 .0508 .0500 .0468 .0445 .0426 .0412 .0401 .0392 .0385 .0379 .0374 .0370 .0367 .0364 .0362

1.000 2.035 3.106 4.215 5.362 6.550 7.779 9.052 10.368 11.731 13.142 14.602 16.113 17.677 19.296 20.971 22.705 24.500 26.357 28.280 30.269 32.329 34.460 36.666 38.950 41.313 43.759 46.291 48.911 51.623 54.429 57.334 60.341 63.453 66.674 84.550 105.781 130.998 160.946 196.516 238.762 288.937 348.529 419.305 503.365 603.202 721.778 862.608

0.966 1.900 2.802 3.673 4.515 5.329 6.115 6.874 7.608 8.317 9.002 9.663 10.303 10.921 11.517 12.094 12.651 13.190 13.710 14.212 14.698 15.167 15.620 16.058 16.482 16.890 17.285 17.667 18.036 18.392 18.736 19.069 19.390 19.701 20.001 21.355 22.495 23.456 24.264 24.945 25.518 26.000 26.407 26.749 27.037 27.279 27.483 27.655

0 0.491 0.977 1.457 1.931 2.400 2.862 3.320 3.771 4.217 4.657 5.091 5.520 5.943 6.361 6.773 7.179 7.580 7.975 8.365 8.749 9.128 9.502 9.870 10.233 10.590 10.942 11.289 11.631 11.967 12.299 12.625 12.946 13.262 13.573 15.055 16.417 17.666 18.808 19.848 20.793 21.650 22.423 23.120 23.747 24.308 24.811 25.259

0 0.933 2.737 5.352 8.719 12.787 17.503 22.819 28.688 35.069 41.918 49.198 56.871 64.902 73.258 81.909 90.824 99.976 109.339 118.888 128.599 138.451 148.423 158.496 168.652 178.873 189.143 199.448 209.773 220.105 230.432 240.742 251.025 261.271 271.470 321.490 369.307 414.369 456.352 495.104 530.598 562.895 592.121 618.438 642.036 663.118 681.890 698.554

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100




571 4%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.040 1.082 1.125 1.170 1.217 1.265 1.316 1.369 1.423 1.480 1.539 1.601 1.665 1.732 1.801 1.873 1.948 2.026 2.107 2.191 2.279 2.370 2.465 2.563 2.666 2.772 2.883 2.999 3.119 3.243 3.373 3.508 3.648 3.794 3.946 4.801 5.841 7.107 8.646 10.520 12.799 15.572 18.945 23.050 28.044 34.119 41.511 50.505

.9615 .9246 .8890 .8548 .8219 .7903 .7599 .7307 .7026 .6756 .6496 .6246 .6006 .5775 .5553 .5339 .5134 .4936 .4746 .4564 .4388 .4220 .4057 .3901 .3751 .3607 .3468 .3335 .3207 .3083 .2965 .2851 .2741 .2636 .2534 .2083 .1712 .1407 .1157 .0951 .0781 .0642 .0528 .0434 .0357 .0293 .0241 .0198

1.0000 .4902 .3203 .2355 .1846 .1508 .1266 .1085 .0945 .0833 .0741 .0666 .0601 .0547 .0499 .0458 .0422 .0390 .0361 .0336 .0313 .0292 .0273 .0256 .0240 .0226 .0212 .0200 .0189 .0178 .0169 .0159 .0151 .0143 .0136 .0105 .00826 .00655 .00523 .00420 .00339 .00275 .00223 .00181 .00148 .00121 .00099 .00081

1.0400 .5302 .3603 .2755 .2246 .1908 .1666 .1485 .1345 .1233 .1141 .1066 .1001 .0947 .0899 .0858 .0822 .0790 .0761 .0736 .0713 .0692 .0673 .0656 .0640 .0626 .0612 .0600 .0589 .0578 .0569 .0559 .0551 .0543 .0536 .0505 .0483 .0466 .0452 .0442 .0434 .0427 .0422 .0418 .0415 .0412 .0410 .0408

1.000 2.040 3.122 4.246 5.416 6.633 7.898 9.214 10.583 12.006 13.486 15.026 16.627 18.292 20.024 21.825 23.697 25.645 27.671 29.778 31.969 34.248 36.618 39.083 41.646 44.312 47.084 49.968 52.966 56.085 59.328 62.701 66.209 69.858 73.652 95.025 121.029 152.667 191.159 237.990 294.968 364.290 448.630 551.244 676.089 827.981 1 012.8 1 237.6

0.962 1.886 2.775 3.630 4.452 5.242 6.002 6.733 7.435 8.111 8.760 9.385 9.986 10.563 11.118 11.652 12.166 12.659 13.134 13.590 14.029 14.451 14.857 15.247 15.622 15.983 16.330 16.663 16.984 17.292 17.588 17.874 18.148 18.411 18.665 19.793 20.720 21.482 22.109 22.623 23.047 23.395 23.680 23.915 24.109 24.267 24.398 24.505

0 0.490 0.974 1.451 1.922 2.386 2.843 3.294 3.739 4.177 4.609 5.034 5.453 5.866 6.272 6.672 7.066 7.453 7.834 8.209 8.578 8.941 9.297 9.648 9.993 10.331 10.664 10.991 11.312 11.627 11.937 12.241 12.540 12.832 13.120 14.476 15.705 16.812 17.807 18.697 19.491 20.196 20.821 21.372 21.857 22.283 22.655 22.980

0 0.925 2.702 5.267 8.555 12.506 17.066 22.180 27.801 33.881 40.377 47.248 54.454 61.962 69.735 77.744 85.958 94.350 102.893 111.564 120.341 129.202 138.128 147.101 156.104 165.121 174.138 183.142 192.120 201.062 209.955 218.792 227.563 236.260 244.876 286.530 325.402 361.163 393.689 422.996 449.201 472.479 493.041 511.116 526.938 540.737 552.730 563.125

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100


572


4 1/2%

4 1/2%



Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.045 1.092 1.141 1.193 1.246 1.302 1.361 1.422 1.486 1.553 1.623 1.696 1.772 1.852 1.935 2.022 2.113 2.208 2.308 2.412 2.520 2.634 2.752 2.876 3.005 3.141 3.282 3.430 3.584 3.745 3.914 4.090 4.274 4.466 4.667 5.816 7.248 9.033 11.256 14.027 17.481 21.784 27.147 33.830 42.158 52.537 65.471 81.588

.9569 .9157 .8763 .8386 .8025 .7679 .7348 .7032 .6729 .6439 .6162 .5897 .5643 .5400 .5167 .4945 .4732 .4528 .4333 .4146 .3968 .3797 .3634 .3477 .3327 .3184 .3047 .2916 .2790 .2670 .2555 .2445 .2340 .2239 .2143 .1719 .1380 .1107 .0888 .0713 .0572 .0459 .0368 .0296 .0237 .0190 .0153 .0123

1.0000 .4890 .3188 .2337 .1828 .1489 .1247 .1066 .0926 .0814 .0722 .0647 .0583 .0528 .0481 .0440 .0404 .0372 .0344 .0319 .0296 .0275 .0257 .0240 .0224 .0210 .0197 .0185 .0174 .0164 .0154 .0146 .0137 .0130 .0123 .00934 .00720 .00560 .00439 .00345 .00273 .00217 .00172 .00137 .00109 .00087 .00070 .00056

1.0450 .5340 .3638 .2787 .2278 .1939 .1697 .1516 .1376 .1264 .1172 .1097 .1033 .0978 .0931 .0890 .0854 .0822 .0794 .0769 .0746 .0725 .0707 .0690 .0674 .0660 .0647 .0635 .0624 .0614 .0604 .0596 .0587 .0580 .0573 .0543 .0522 .0506 .0494 .0485 .0477 .0472 .0467 .0464 .0461 .0459 .0457 .0456

1.000 2.045 3.137 4.278 5.471 6.717 8.019 9.380 10.802 12.288 13.841 15.464 17.160 18.932 20.784 22.719 24.742 26.855 29.064 31.371 33.783 36.303 38.937 41.689 44.565 47.571 50.711 53.993 57.423 61.007 64.752 68.666 72.756 77.030 81.497 107.030 138.850 178.503 227.918 289.497 366.237 461.869 581.043 729.556 914.630 1 145.3 1 432.7 1 790.9

0.957 1.873 2.749 3.588 4.390 5.158 5.893 6.596 7.269 7.913 8.529 9.119 9.683 10.223 10.740 11.234 11.707 12.160 12.593 13.008 13.405 13.784 14.148 14.495 14.828 15.147 15.451 15.743 16.022 16.289 16.544 16.789 17.023 17.247 17.461 18.402 19.156 19.762 20.248 20.638 20.951 21.202 21.404 21.565 21.695 21.799 21.883 21.950

0 0.489 0.971 1.445 1.912 2.372 2.824 3.269 3.707 4.138 4.562 4.978 5.387 5.789 6.184 6.572 6.953 7.327 7.695 8.055 8.409 8.755 9.096 9.429 9.756 10.077 10.391 10.698 10.999 11.295 11.583 11.866 12.143 12.414 12.679 13.917 15.020 15.998 16.860 17.617 18.278 18.854 19.354 19.785 20.157 20.476 20.749 20.981

0 0.916 2.668 5.184 8.394 12.233 16.642 21.564 26.948 32.743 38.905 45.391 52.163 59.182 66.416 73.833 81.404 89.102 96.901 104.779 112.715 120.689 128.682 136.680 144.665 152.625 160.547 168.420 176.232 183.975 191.640 199.220 206.707 214.095 221.380 256.098 287.732 316.145 341.375 363.571 382.946 399.750 414.242 426.680 437.309 446.359 454.039 460.537

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100




n


1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.050 1.102 1.158 1.216 1.276 1.340 1.407 1.477 1.551 1.629 1.710 1.796 1.886 1.980 2.079 2.183 2.292 2.407 2.527 2.653 2.786 2.925 3.072 3.225 3.386 3.556 3.733 3.920 4.116 4.322 4.538 4.765 5.003 5.253 5.516 7.040 8.985 11.467 14.636 18.679 23.840 30.426 38.832 49.561 63.254 80.730 103.034 131.500

573 5%


Arithmetic Gradient








.9524 .9070 .8638 .8227 .7835 .7462 .7107 .6768 .6446 .6139 .5847 .5568 .5303 .5051 .4810 .4581 .4363 .4155 .3957 .3769 .3589 .3419 .3256 .3101 .2953 .2812 .2678 .2551 .2429 .2314 .2204 .2099 .1999 .1904 .1813 .1420 .1113 .0872 .0683 .0535 .0419 .0329 .0258 .0202 .0158 .0124 .00971 .00760

1.0000 .4878 .3172 .2320 .1810 .1470 .1228 .1047 .0907 .0795 .0704 .0628 .0565 .0510 .0463 .0423 .0387 .0355 .0327 .0302 .0280 .0260 .0241 .0225 .0210 .0196 .0183 .0171 .0160 .0151 .0141 .0133 .0125 .0118 .0111 .00828 .00626 .00478 .00367 .00283 .00219 .00170 .00132 .00103 .00080 .00063 .00049 .00038

1.0500 .5378 .3672 .2820 .2310 .1970 .1728 .1547 .1407 .1295 .1204 .1128 .1065 .1010 .0963 .0923 .0887 .0855 .0827 .0802 .0780 .0760 .0741 .0725 .0710 .0696 .0683 .0671 .0660 .0651 .0641 .0633 .0625 .0618 .0611 .0583 .0563 .0548 .0537 .0528 .0522 .0517 .0513 .0510 .0508 .0506 .0505 .0504

1.000 2.050 3.152 4.310 5.526 6.802 8.142 9.549 11.027 12.578 14.207 15.917 17.713 19.599 21.579 23.657 25.840 28.132 30.539 33.066 35.719 38.505 41.430 44.502 47.727 51.113 54.669 58.402 62.323 66.439 70.761 75.299 80.063 85.067 90.320 120.799 159.699 209.347 272.711 353.582 456.795 588.525 756.649 971.222 1 245.1 1 594.6 2 040.7 2 610.0

0.952 1.859 2.723 3.546 4.329 5.076 5.786 6.463 7.108 7.722 8.306 8.863 9.394 9.899 10.380 10.838 11.274 11.690 12.085 12.462 12.821 13.163 13.489 13.799 14.094 14.375 14.643 14.898 15.141 15.372 15.593 15.803 16.003 16.193 16.374 17.159 17.774 18.256 18.633 18.929 19.161 19.343 19.485 19.596 19.684 19.752 19.806 19.848

0 0.488 0.967 1.439 1.902 2.358 2.805 3.244 3.676 4.099 4.514 4.922 5.321 5.713 6.097 6.474 6.842 7.203 7.557 7.903 8.242 8.573 8.897 9.214 9.524 9.827 10.122 10.411 10.694 10.969 11.238 11.501 11.757 12.006 12.250 13.377 14.364 15.223 15.966 16.606 17.154 17.621 18.018 18.353 18.635 18.871 19.069 19.234

0 0.907 2.635 5.103 8.237 11.968 16.232 20.970 26.127 31.652 37.499 43.624 49.988 56.553 63.288 70.159 77.140 84.204 91.327 98.488 105.667 112.846 120.008 127.140 134.227 141.258 148.222 155.110 161.912 168.622 175.233 181.739 188.135 194.416 200.580 229.545 255.314 277.914 297.510 314.343 328.691 340.841 351.072 359.646 366.800 372.749 377.677 381.749

n 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100


574


6%


n


1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.060 1.124 1.191 1.262 1.338 1.419 1.504 1.594 1.689 1.791 1.898 2.012 2.133 2.261 2.397 2.540 2.693 2.854 3.026 3.207 3.400 3.604 3.820 4.049 4.292 4.549 4.822 5.112 5.418 5.743 6.088 6.453 6.841 7.251 7.686 10.286 13.765 18.420 24.650 32.988 44.145 59.076 79.057 105.796 141.578 189.464 253.545 339.300

6%


Arithmetic Gradient








n

.9434 .8900 .8396 .7921 .7473 .7050 .6651 .6274 .5919 .5584 .5268 .4970 .4688 .4423 .4173 .3936 .3714 .3503 .3305 .3118 .2942 .2775 .2618 .2470 .2330 .2198 .2074 .1956 .1846 .1741 .1643 .1550 .1462 .1379 .1301 .0972 .0727 .0543 .0406 .0303 .0227 .0169 .0126 .00945 .00706 .00528 .00394 .00295

1.0000 .4854 .3141 .2286 .1774 .1434 .1191 .1010 .0870 .0759 .0668 .0593 .0530 .0476 .0430 .0390 .0354 .0324 .0296 .0272 .0250 .0230 .0213 .0197 .0182 .0169 .0157 .0146 .0136 .0126 .0118 .0110 .0103 .00960 .00897 .00646 .00470 .00344 .00254 .00188 .00139 .00103 .00077 .00057 .00043 .00032 .00024 .00018

1.0600 .5454 .3741 .2886 .2374 .2034 .1791 .1610 .1470 .1359 .1268 .1193 .1130 .1076 .1030 .0990 .0954 .0924 .0896 .0872 .0850 .0830 .0813 .0797 .0782 .0769 .0757 .0746 .0736 .0726 .0718 .0710 .0703 .0696 .0690 .0665 .0647 .0634 .0625 .0619 .0614 .0610 .0608 .0606 .0604 .0603 .0602 .0602

1.000 2.060 3.184 4.375 5.637 6.975 8.394 9.897 11.491 13.181 14.972 16.870 18.882 21.015 23.276 25.672 28.213 30.906 33.760 36.786 39.993 43.392 46.996 50.815 54.864 59.156 63.706 68.528 73.640 79.058 84.801 90.890 97.343 104.184 111.435 154.762 212.743 290.335 394.171 533.126 719.080 967.928 1 300.9 1 746.6 2 343.0 3 141.1 4 209.1 5 638.3

0.943 1.833 2.673 3.465 4.212 4.917 5.582 6.210 6.802 7.360 7.887 8.384 8.853 9.295 9.712 10.106 10.477 10.828 11.158 11.470 11.764 12.042 12.303 12.550 12.783 13.003 13.211 13.406 13.591 13.765 13.929 14.084 14.230 14.368 14.498 15.046 15.456 15.762 15.991 16.161 16.289 16.385 16.456 16.509 16.549 16.579 16.601 16.618

0 0.485 0.961 1.427 1.884 2.330 2.768 3.195 3.613 4.022 4.421 4.811 5.192 5.564 5.926 6.279 6.624 6.960 7.287 7.605 7.915 8.217 8.510 8.795 9.072 9.341 9.603 9.857 10.103 10.342 10.574 10.799 11.017 11.228 11.432 12.359 13.141 13.796 14.341 14.791 15.160 15.461 15.706 15.903 16.062 16.189 16.290 16.371

0 0.890 2.569 4.945 7.934 11.459 15.450 19.841 24.577 29.602 34.870 40.337 45.963 51.713 57.554 63.459 69.401 75.357 81.306 87.230 93.113 98.941 104.700 110.381 115.973 121.468 126.860 132.142 137.309 142.359 147.286 152.090 156.768 161.319 165.743 185.957 203.109 217.457 229.322 239.043 246.945 253.327 258.453 262.549 265.810 268.395 270.437 272.047

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100




575 7%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.070 1.145 1.225 1.311 1.403 1.501 1.606 1.718 1.838 1.967 2.105 2.252 2.410 2.579 2.759 2.952 3.159 3.380 3.617 3.870 4.141 4.430 4.741 5.072 5.427 5.807 6.214 6.649 7.114 7.612 8.145 8.715 9.325 9.978 10.677 14.974 21.002 29.457 41.315 57.947 81.273 113.990 159.877 224.235 314.502 441.105 618.673 867.720

.9346 .8734 .8163 .7629 .7130 .6663 .6227 .5820 .5439 .5083 .4751 .4440 .4150 .3878 .3624 .3387 .3166 .2959 .2765 .2584 .2415 .2257 .2109 .1971 .1842 .1722 .1609 .1504 .1406 .1314 .1228 .1147 .1072 .1002 .0937 .0668 .0476 .0339 .0242 .0173 .0123 .00877 .00625 .00446 .00318 .00227 .00162 .00115

1.0000 .4831 .3111 .2252 .1739 .1398 .1156 .0975 .0835 .0724 .0634 .0559 .0497 .0443 .0398 .0359 .0324 .0294 .0268 .0244 .0223 .0204 .0187 .0172 .0158 .0146 .0134 .0124 .0114 .0106 .00980 .00907 .00841 .00780 .00723 .00501 .00350 .00246 .00174 .00123 .00087 .00062 .00044 .00031 .00022 .00016 .00011 .00008

1.0700 .5531 .3811 .2952 .2439 .2098 .1856 .1675 .1535 .1424 .1334 .1259 .1197 .1143 .1098 .1059 .1024 .0994 .0968 .0944 .0923 .0904 .0887 .0872 .0858 .0846 .0834 .0824 .0814 .0806 .0798 .0791 .0784 .0778 .0772 .0750 .0735 .0725 .0717 .0712 .0709 .0706 .0704 .0703 .0702 .0702 .0701 .0701

1.000 2.070 3.215 4.440 5.751 7.153 8.654 10.260 11.978 13.816 15.784 17.888 20.141 22.551 25.129 27.888 30.840 33.999 37.379 40.996 44.865 49.006 53.436 58.177 63.249 68.677 74.484 80.698 87.347 94.461 102.073 110.218 118.934 128.259 138.237 199.636 285.750 406.530 575.930 813.523 1 146.8 1 614.1 2 269.7 3 189.1 4 478.6 6 287.2 8 823.9 12 381.7

0.935 1.808 2.624 3.387 4.100 4.767 5.389 5.971 6.515 7.024 7.499 7.943 8.358 8.745 9.108 9.447 9.763 10.059 10.336 10.594 10.836 11.061 11.272 11.469 11.654 11.826 11.987 12.137 12.278 12.409 12.532 12.647 12.754 12.854 12.948 13.332 13.606 13.801 13.940 14.039 14.110 14.160 14.196 14.222 14.240 14.253 14.263 14.269

0 0.483 0.955 1.416 1.865 2.303 2.730 3.147 3.552 3.946 4.330 4.703 5.065 5.417 5.758 6.090 6.411 6.722 7.024 7.316 7.599 7.872 8.137 8.392 8.639 8.877 9.107 9.329 9.543 9.749 9.947 10.138 10.322 10.499 10.669 11.423 12.036 12.529 12.921 13.232 13.476 13.666 13.814 13.927 14.015 14.081 14.132 14.170

0 0.873 2.506 4.795 7.647 10.978 14.715 18.789 23.140 27.716 32.467 37.351 42.330 47.372 52.446 57.527 62.592 67.622 72.599 77.509 82.339 87.079 91.720 96.255 100.677 104.981 109.166 113.227 117.162 120.972 124.655 128.212 131.644 134.951 138.135 152.293 163.756 172.905 180.124 185.768 190.145 193.519 196.104 198.075 199.572 200.704 201.558 202.200

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100


576


8%


n



1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.080 1.166 1.260 1.360 1.469 1.587 1.714 1.851 1.999 2.159 2.332 2.518 2.720 2.937 3.172 3.426 3.700 3.996 4.316 4.661 5.034 5.437 5.871 6.341 6.848 7.396 7.988 8.627 9.317 10.063 10.868 11.737 12.676 13.690 14.785 21.725 31.920 46.902 68.914 101.257 148.780 218.607 321.205 471.956 693.458 1 018.9 1 497.1 2 199.8

.9259 .8573 .7938 .7350 .6806 .6302 .5835 .5403 .5002 .4632 .4289 .3971 .3677 .3405 .3152 .2919 .2703 .2502 .2317 .2145 .1987 .1839 .1703 .1577 .1460 .1352 .1252 .1159 .1073 .0994 .0920 .0852 .0789 .0730 .0676 .0460 .0313 .0213 .0145 .00988 .00672 .00457 .00311 .00212 .00144 .00098 .00067 .00045

8%

Uniform Payment Series Sinking Fund Factor Find A Given F A/F 1.0000 .4808 .3080 .2219 .1705 .1363 .1121 .0940 .0801 .0690 .0601 .0527 .0465 .0413 .0368 .0330 .0296 .0267 .0241 .0219 .0198 .0180 .0164 .0150 .0137 .0125 .0114 .0105 .00962 .00883 .00811 .00745 .00685 .00630 .00580 .00386 .00259 .00174 .00118 .00080 .00054 .00037 .00025 .00017 .00012 .00008 .00005 .00004

Arithmetic Gradient






n

1.0800 .5608 .3880 .3019 .2505 .2163 .1921 .1740 .1601 .1490 .1401 .1327 .1265 .1213 .1168 .1130 .1096 .1067 .1041 .1019 .0998 .0980 .0964 .0950 .0937 .0925 .0914 .0905 .0896 .0888 .0881 .0875 .0869 .0863 .0858 .0839 .0826 .0817 .0812 .0808 .0805 .0804 .0802 .0802 .0801 .0801 .0801 .0800

1.000 2.080 3.246 4.506 5.867 7.336 8.923 10.637 12.488 14.487 16.645 18.977 21.495 24.215 27.152 30.324 33.750 37.450 41.446 45.762 50.423 55.457 60.893 66.765 73.106 79.954 87.351 95.339 103.966 113.283 123.346 134.214 145.951 158.627 172.317 259.057 386.506 573.771 848.925 1 253.2 1 847.3 2 720.1 4 002.6 5 887.0 8 655.7 12 724.0 18 701.6 27 484.6

0.926 1.783 2.577 3.312 3.993 4.623 5.206 5.747 6.247 6.710 7.139 7.536 7.904 8.244 8.559 8.851 9.122 9.372 9.604 9.818 10.017 10.201 10.371 10.529 10.675 10.810 10.935 11.051 11.158 11.258 11.350 11.435 11.514 11.587 11.655 11.925 12.108 12.233 12.319 12.377 12.416 12.443 12.461 12.474 12.482 12.488 12.492 12.494

0 0.481 0.949 1.404 1.846 2.276 2.694 3.099 3.491 3.871 4.240 4.596 4.940 5.273 5.594 5.905 6.204 6.492 6.770 7.037 7.294 7.541 7.779 8.007 8.225 8.435 8.636 8.829 9.013 9.190 9.358 9.520 9.674 9.821 9.961 10.570 11.045 11.411 11.690 11.902 12.060 12.178 12.266 12.330 12.377 12.412 12.437 12.455

0 0.857 2.445 4.650 7.372 10.523 14.024 17.806 21.808 25.977 30.266 34.634 39.046 43.472 47.886 52.264 56.588 60.843 65.013 69.090 73.063 76.926 80.673 84.300 87.804 91.184 94.439 97.569 100.574 103.456 106.216 108.858 111.382 113.792 116.092 126.042 133.733 139.593 144.006 147.300 149.739 151.533 152.845 153.800 154.492 154.993 155.352 155.611

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100




n



1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.090 1.188 1.295 1.412 1.539 1.677 1.828 1.993 2.172 2.367 2.580 2.813 3.066 3.342 3.642 3.970 4.328 4.717 5.142 5.604 6.109 6.659 7.258 7.911 8.623 9.399 10.245 11.167 12.172 13.268 14.462 15.763 17.182 18.728 20.414 31.409 48.327 74.358 114.409 176.032 270.847 416.731 641.193 986.555 1 517.9 2 335.5 3 593.5 5 529.1

.9174 .8417 .7722 .7084 .6499 .5963 .5470 .5019 .4604 .4224 .3875 .3555 .3262 .2992 .2745 .2519 .2311 .2120 .1945 .1784 .1637 .1502 .1378 .1264 .1160 .1064 .0976 .0895 .0822 .0754 .0691 .0634 .0582 .0534 .0490 .0318 .0207 .0134 .00874 .00568 .00369 .00240 .00156 .00101 .00066 .00043 .00028 .00018

9%

Uniform Payment Series Sinking Fund Factor Find A Given F A/F 1.0000 .4785 .3051 .2187 .1671 .1329 .1087 .0907 .0768 .0658 .0569 .0497 .0436 .0384 .0341 .0303 .0270 .0242 .0217 .0195 .0176 .0159 .0144 .0130 .0118 .0107 .00973 .00885 .00806 .00734 .00669 .00610 .00556 .00508 .00464 .00296 .00190 .00123 .00079 .00051 .00033 .00022 .00014 .00009 .00006 .00004 .00003 .00002

577

Arithmetic Gradient






n

1.0900 .5685 .3951 .3087 .2571 .2229 .1987 .1807 .1668 .1558 .1469 .1397 .1336 .1284 .1241 .1203 .1170 .1142 .1117 .1095 .1076 .1059 .1044 .1030 .1018 .1007 .0997 .0989 .0981 .0973 .0967 .0961 .0956 .0951 .0946 .0930 .0919 .0912 .0908 .0905 .0903 .0902 .0901 .0901 .0901 .0900 .0900 .0900

1.000 2.090 3.278 4.573 5.985 7.523 9.200 11.028 13.021 15.193 17.560 20.141 22.953 26.019 29.361 33.003 36.974 41.301 46.019 51.160 56.765 62.873 69.532 76.790 84.701 93.324 102.723 112.968 124.136 136.308 149.575 164.037 179.801 196.983 215.711 337.883 525.860 815.085 1 260.1 1 944.8 2 998.3 4 619.2 7 113.3 10 950.6 16 854.9 25 939.3 39 916.8 61 422.9

0.917 1.759 2.531 3.240 3.890 4.486 5.033 5.535 5.995 6.418 6.805 7.161 7.487 7.786 8.061 8.313 8.544 8.756 8.950 9.129 9.292 9.442 9.580 9.707 9.823 9.929 10.027 10.116 10.198 10.274 10.343 10.406 10.464 10.518 10.567 10.757 10.881 10.962 11.014 11.048 11.070 11.084 11.094 11.100 11.104 11.106 11.108 11.109

0 0.478 0.943 1.393 1.828 2.250 2.657 3.051 3.431 3.798 4.151 4.491 4.818 5.133 5.435 5.724 6.002 6.269 6.524 6.767 7.001 7.223 7.436 7.638 7.832 8.016 8.191 8.357 8.515 8.666 8.808 8.944 9.072 9.193 9.308 9.796 10.160 10.430 10.626 10.768 10.870 10.943 10.994 11.030 11.055 11.073 11.085 11.093

0 0.842 2.386 4.511 7.111 10.092 13.375 16.888 20.571 24.373 28.248 32.159 36.073 39.963 43.807 47.585 51.282 54.886 58.387 61.777 65.051 68.205 71.236 74.143 76.927 79.586 82.124 84.542 86.842 89.028 91.102 93.069 94.931 96.693 98.359 105.376 110.556 114.325 117.036 118.968 120.334 121.294 121.965 122.431 122.753 122.976 123.129 123.233

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100


578


10%


10%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.100 1.210 1.331 1.464 1.611 1.772 1.949 2.144 2.358 2.594 2.853 3.138 3.452 3.797 4.177 4.595 5.054 5.560 6.116 6.728 7.400 8.140 8.954 9.850 10.835 11.918 13.110 14.421 15.863 17.449 19.194 21.114 23.225 25.548 28.102 45.259 72.891 117.391 189.059 304.482 490.371 789.748 1 271.9 2 048.4 3 299.0 5 313.0 8 556.7 13 780.6

.9091 .8264 .7513 .6830 .6209 .5645 .5132 .4665 .4241 .3855 .3505 .3186 .2897 .2633 .2394 .2176 .1978 .1799 .1635 .1486 .1351 .1228 .1117 .1015 .0923 .0839 .0763 .0693 .0630 .0573 .0521 .0474 .0431 .0391 .0356 .0221 .0137 .00852 .00529 .00328 .00204 .00127 .00079 .00049 .00030 .00019 .00012 .00007

1.0000 .4762 .3021 .2155 .1638 .1296 .1054 .0874 .0736 .0627 .0540 .0468 .0408 .0357 .0315 .0278 .0247 .0219 .0195 .0175 .0156 .0140 .0126 .0113 .0102 .00916 .00826 .00745 .00673 .00608 .00550 .00497 .00450 .00407 .00369 .00226 .00139 .00086 .00053 .00033 .00020 .00013 .00008 .00005 .00003 .00002 .00001 .00001

1.1000 .5762 .4021 .3155 .2638 .2296 .2054 .1874 .1736 .1627 .1540 .1468 .1408 .1357 .1315 .1278 .1247 .1219 .1195 .1175 .1156 .1140 .1126 .1113 .1102 .1092 .1083 .1075 .1067 .1061 .1055 .1050 .1045 .1041 .1037 .1023 .1014 .1009 .1005 .1003 .1002 .1001 .1001 .1000 .1000 .1000 .1000 .1000

1.000 2.100 3.310 4.641 6.105 7.716 9.487 11.436 13.579 15.937 18.531 21.384 24.523 27.975 31.772 35.950 40.545 45.599 51.159 57.275 64.003 71.403 79.543 88.497 98.347 109.182 121.100 134.210 148.631 164.494 181.944 201.138 222.252 245.477 271.025 442.593 718.905 1 163.9 1 880.6 3 034.8 4 893.7 7 887.5 12 709.0 20 474.0 32 979.7 53 120.3 85 556.9 137 796.3

0.909 1.736 2.487 3.170 3.791 4.355 4.868 5.335 5.759 6.145 6.495 6.814 7.103 7.367 7.606 7.824 8.022 8.201 8.365 8.514 8.649 8.772 8.883 8.985 9.077 9.161 9.237 9.307 9.370 9.427 9.479 9.526 9.569 9.609 9.644 9.779 9.863 9.915 9.947 9.967 9.980 9.987 9.992 9.995 9.997 9.998 9.999 9.999

0 0.476 0.937 1.381 1.810 2.224 2.622 3.004 3.372 3.725 4.064 4.388 4.699 4.996 5.279 5.549 5.807 6.053 6.286 6.508 6.719 6.919 7.108 7.288 7.458 7.619 7.770 7.914 8.049 8.176 8.296 8.409 8.515 8.615 8.709 9.096 9.374 9.570 9.708 9.802 9.867 9.911 9.941 9.961 9.974 9.983 9.989 9.993

0 0.826 2.329 4.378 6.862 9.684 12.763 16.029 19.421 22.891 26.396 29.901 33.377 36.801 40.152 43.416 46.582 49.640 52.583 55.407 58.110 60.689 63.146 65.481 67.696 69.794 71.777 73.650 75.415 77.077 78.640 80.108 81.486 82.777 83.987 88.953 92.454 94.889 96.562 97.701 98.471 98.987 99.332 99.561 99.712 99.812 99.877 99.920

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100




579 12%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100

1.120 1.254 1.405 1.574 1.762 1.974 2.211 2.476 2.773 3.106 3.479 3.896 4.363 4.887 5.474 6.130 6.866 7.690 8.613 9.646 10.804 12.100 13.552 15.179 17.000 19.040 21.325 23.884 26.750 29.960 33.555 37.582 42.092 47.143 52.800 93.051 163.988 289.002 509.321 897.597 1 581.9 2 787.8 4 913.1 8 658.5 15 259.2 26 891.9 47 392.8 83 522.3

.8929 .7972 .7118 .6355 .5674 .5066 .4523 .4039 .3606 .3220 .2875 .2567 .2292 .2046 .1827 .1631 .1456 .1300 .1161 .1037 .0926 .0826 .0738 .0659 .0588 .0525 .0469 .0419 .0374 .0334 .0298 .0266 .0238 .0212 .0189 .0107 .00610 .00346 .00196 .00111 .00063 .00036 .00020 .00012 .00007 .00004 .00002 .00001

1.0000 .4717 .2963 .2092 .1574 .1232 .0991 .0813 .0677 .0570 .0484 .0414 .0357 .0309 .0268 .0234 .0205 .0179 .0158 .0139 .0122 .0108 .00956 .00846 .00750 .00665 .00590 .00524 .00466 .00414 .00369 .00328 .00292 .00260 .00232 .00130 .00074 .00042 .00024 .00013 .00008 .00004 .00002 .00001 .00001

1.1200 .5917 .4163 .3292 .2774 .2432 .2191 .2013 .1877 .1770 .1684 .1614 .1557 .1509 .1468 .1434 .1405 .1379 .1358 .1339 .1322 .1308 .1296 .1285 .1275 .1267 .1259 .1252 .1247 .1241 .1237 .1233 .1229 .1226 .1223 .1213 .1207 .1204 .1202 .1201 .1201 .1200 .1200 .1200 .1200 .1200 .1200 .1200

1.000 2.120 3.374 4.779 6.353 8.115 10.089 12.300 14.776 17.549 20.655 24.133 28.029 32.393 37.280 42.753 48.884 55.750 63.440 72.052 81.699 92.503 104.603 118.155 133.334 150.334 169.374 190.699 214.583 241.333 271.293 304.848 342.429 384.521 431.663 767.091 1 358.2 2 400.0 4 236.0 7 471.6 13 173.9 23 223.3 40 933.8 72 145.7 127 151.7 224 091.1 394 931.4 696 010.5

0.893 1.690 2.402 3.037 3.605 4.111 4.564 4.968 5.328 5.650 5.938 6.194 6.424 6.628 6.811 6.974 7.120 7.250 7.366 7.469 7.562 7.645 7.718 7.784 7.843 7.896 7.943 7.984 8.022 8.055 8.085 8.112 8.135 8.157 8.176 8.244 8.283 8.304 8.317 8.324 8.328 8.330 8.332 8.332 8.333 8.333 8.333 8.333

0 0.472 0.925 1.359 1.775 2.172 2.551 2.913 3.257 3.585 3.895 4.190 4.468 4.732 4.980 5.215 5.435 5.643 5.838 6.020 6.191 6.351 6.501 6.641 6.771 6.892 7.005 7.110 7.207 7.297 7.381 7.459 7.530 7.596 7.658 7.899 8.057 8.160 8.225 8.266 8.292 8.308 8.318 8.324 8.328 8.330 8.331 8.332

0 0.797 2.221 4.127 6.397 8.930 11.644 14.471 17.356 20.254 23.129 25.952 28.702 31.362 33.920 36.367 38.697 40.908 42.998 44.968 46.819 48.554 50.178 51.693 53.105 54.418 55.637 56.767 57.814 58.782 59.676 60.501 61.261 61.961 62.605 65.116 66.734 67.762 68.408 68.810 69.058 69.210 69.303 69.359 69.393 69.414 69.426 69.434

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85 90 95 100


580


15%


15%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85

1.150 1.322 1.521 1.749 2.011 2.313 2.660 3.059 3.518 4.046 4.652 5.350 6.153 7.076 8.137 9.358 10.761 12.375 14.232 16.367 18.822 21.645 24.891 28.625 32.919 37.857 43.535 50.066 57.575 66.212 76.144 87.565 100.700 115.805 133.176 267.864 538.769 1 083.7 2 179.6 4 384.0 8 817.8 17 735.7 35 672.9 71 750.9 144 316.7

.8696 .7561 .6575 .5718 .4972 .4323 .3759 .3269 .2843 .2472 .2149 .1869 .1625 .1413 .1229 .1069 .0929 .0808 .0703 .0611 .0531 .0462 .0402 .0349 .0304 .0264 .0230 .0200 .0174 .0151 .0131 .0114 .00993 .00864 .00751 .00373 .00186 .00092 .00046 .00023 .00011 .00006 .00003 .00001 .00001

1.0000 .4651 .2880 .2003 .1483 .1142 .0904 .0729 .0596 .0493 .0411 .0345 .0291 .0247 .0210 .0179 .0154 .0132 .0113 .00976 .00842 .00727 .00628 .00543 .00470 .00407 .00353 .00306 .00265 .00230 .00200 .00173 .00150 .00131 .00113 .00056 .00028 .00014 .00007 .00003 .00002 .00001

1.1500 .6151 .4380 .3503 .2983 .2642 .2404 .2229 .2096 .1993 .1911 .1845 .1791 .1747 .1710 .1679 .1654 .1632 .1613 .1598 .1584 .1573 .1563 .1554 .1547 .1541 .1535 .1531 .1527 .1523 .1520 .1517 .1515 .1513 .1511 .1506 .1503 .1501 .1501 .1500 .1500 .1500 .1500 .1500 .1500

1.000 2.150 3.472 4.993 6.742 8.754 11.067 13.727 16.786 20.304 24.349 29.002 34.352 40.505 47.580 55.717 65.075 75.836 88.212 102.444 118.810 137.632 159.276 184.168 212.793 245.712 283.569 327.104 377.170 434.745 500.957 577.100 664.666 765.365 881.170 1 779.1 3 585.1 7 217.7 14 524.1 29 220.0 58 778.6 118 231.5 237 812.5 478 332.6 962 104.4

0.870 1.626 2.283 2.855 3.352 3.784 4.160 4.487 4.772 5.019 5.234 5.421 5.583 5.724 5.847 5.954 6.047 6.128 6.198 6.259 6.312 6.359 6.399 6.434 6.464 6.491 6.514 6.534 6.551 6.566 6.579 6.591 6.600 6.609 6.617 6.642 6.654 6.661 6.664 6.665 6.666 6.666 6.666 6.667 6.667

0 0.465 0.907 1.326 1.723 2.097 2.450 2.781 3.092 3.383 3.655 3.908 4.144 4.362 4.565 4.752 4.925 5.084 5.231 5.365 5.488 5.601 5.704 5.798 5.883 5.961 6.032 6.096 6.154 6.207 6.254 6.297 6.336 6.371 6.402 6.517 6.583 6.620 6.641 6.653 6.659 6.663 6.665 6.666 6.666

0 0.756 2.071 3.786 5.775 7.937 10.192 12.481 14.755 16.979 19.129 21.185 23.135 24.972 26.693 28.296 29.783 31.156 32.421 33.582 34.645 35.615 36.499 37.302 38.031 38.692 39.289 39.828 40.315 40.753 41.147 41.501 41.818 42.103 42.359 43.283 43.805 44.096 44.256 44.343 44.390 44.416 44.429 44.436 44.440

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70 75 80 85




581 18%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70

1.180 1.392 1.643 1.939 2.288 2.700 3.185 3.759 4.435 5.234 6.176 7.288 8.599 10.147 11.974 14.129 16.672 19.673 23.214 27.393 32.324 38.142 45.008 53.109 62.669 73.949 87.260 102.966 121.500 143.370 169.177 199.629 235.562 277.963 327.997 750.377 1 716.7 3 927.3 8 984.8 20 555.1 47 025.1 107 581.9

.8475 .7182 .6086 .5158 .4371 .3704 .3139 .2660 .2255 .1911 .1619 .1372 .1163 .0985 .0835 .0708 .0600 .0508 .0431 .0365 .0309 .0262 .0222 .0188 .0160 .0135 .0115 .00971 .00823 .00697 .00591 .00501 .00425 .00360 .00305 .00133 .00058 .00025 .00011 .00005 .00002 .00001

1.0000 .4587 .2799 .1917 .1398 .1059 .0824 .0652 .0524 .0425 .0348 .0286 .0237 .0197 .0164 .0137 .0115 .00964 .00810 .00682 .00575 .00485 .00409 .00345 .00292 .00247 .00209 .00177 .00149 .00126 .00107 .00091 .00077 .00065 .00055 .00024 .00010 .00005 .00002 .00001

1.1800 .6387 .4599 .3717 .3198 .2859 .2624 .2452 .2324 .2225 .2148 .2086 .2037 .1997 .1964 .1937 .1915 .1896 .1881 .1868 .1857 .1848 .1841 .1835 .1829 .1825 .1821 .1818 .1815 .1813 .1811 .1809 .1808 .1806 .1806 .1802 .1801 .1800 .1800 .1800 .1800 .1800

1.000 2.180 3.572 5.215 7.154 9.442 12.142 15.327 19.086 23.521 28.755 34.931 42.219 50.818 60.965 72.939 87.068 103.740 123.413 146.628 174.021 206.345 244.487 289.494 342.603 405.272 479.221 566.480 669.447 790.947 934.317 1 103.5 1 303.1 1 538.7 1 816.6 4 163.2 9 531.6 21 813.0 49 910.1 114 189.4 261 244.7 597 671.7

0.847 1.566 2.174 2.690 3.127 3.498 3.812 4.078 4.303 4.494 4.656 4.793 4.910 5.008 5.092 5.162 5.222 5.273 5.316 5.353 5.384 5.410 5.432 5.451 5.467 5.480 5.492 5.502 5.510 5.517 5.523 5.528 5.532 5.536 5.539 5.548 5.552 5.554 5.555 5.555 5.555 5.556

0 0.459 0.890 1.295 1.673 2.025 2.353 2.656 2.936 3.194 3.430 3.647 3.845 4.025 4.189 4.337 4.471 4.592 4.700 4.798 4.885 4.963 5.033 5.095 5.150 5.199 5.243 5.281 5.315 5.345 5.371 5.394 5.415 5.433 5.449 5.502 5.529 5.543 5.549 5.553 5.554 5.555

0 0.718 1.935 3.483 5.231 7.083 8.967 10.829 12.633 14.352 15.972 17.481 18.877 20.158 21.327 22.389 23.348 24.212 24.988 25.681 26.300 26.851 27.339 27.772 28.155 28.494 28.791 29.054 29.284 29.486 29.664 29.819 29.955 30.074 30.177 30.527 30.701 30.786 30.827 30.846 30.856 30.860

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60 65 70


582


20%


20%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60

1.200 1.440 1.728 2.074 2.488 2.986 3.583 4.300 5.160 6.192 7.430 8.916 10.699 12.839 15.407 18.488 22.186 26.623 31.948 38.338 46.005 55.206 66.247 79.497 95.396 114.475 137.371 164.845 197.814 237.376 284.852 341.822 410.186 492.224 590.668 1 469.8 3 657.3 9 100.4 22 644.8 56 347.5

.8333 .6944 .5787 .4823 .4019 .3349 .2791 .2326 .1938 .1615 .1346 .1122 .0935 .0779 .0649 .0541 .0451 .0376 .0313 .0261 .0217 .0181 .0151 .0126 .0105 .00874 .00728 .00607 .00506 .00421 .00351 .00293 .00244 .00203 .00169 .00068 .00027 .00011 .00004 .00002

1.0000 .4545 .2747 .1863 .1344 .1007 .0774 .0606 .0481 .0385 .0311 .0253 .0206 .0169 .0139 .0114 .00944 .00781 .00646 .00536 .00444 .00369 .00307 .00255 .00212 .00176 .00147 .00122 .00102 .00085 .00070 .00059 .00049 .00041 .00034 .00014 .00005 .00002 .00001

1.2000 .6545 .4747 .3863 .3344 .3007 .2774 .2606 .2481 .2385 .2311 .2253 .2206 .2169 .2139 .2114 .2094 .2078 .2065 .2054 .2044 .2037 .2031 .2025 .2021 .2018 .2015 .2012 .2010 .2008 .2007 .2006 .2005 .2004 .2003 .2001 .2001 .2000 .2000 .2000

1.000 2.200 3.640 5.368 7.442 9.930 12.916 16.499 20.799 25.959 32.150 39.581 48.497 59.196 72.035 87.442 105.931 128.117 154.740 186.688 225.026 271.031 326.237 392.484 471.981 567.377 681.853 819.223 984.068 1 181.9 1 419.3 1 704.1 2 045.9 2 456.1 2 948.3 7 343.9 18 281.3 45 497.2 113 219.0 281 732.6

0.833 1.528 2.106 2.589 2.991 3.326 3.605 3.837 4.031 4.192 4.327 4.439 4.533 4.611 4.675 4.730 4.775 4.812 4.843 4.870 4.891 4.909 4.925 4.937 4.948 4.956 4.964 4.970 4.975 4.979 4.982 4.985 4.988 4.990 4.992 4.997 4.999 4.999 5.000 5.000

0 0.455 0.879 1.274 1.641 1.979 2.290 2.576 2.836 3.074 3.289 3.484 3.660 3.817 3.959 4.085 4.198 4.298 4.386 4.464 4.533 4.594 4.647 4.694 4.735 4.771 4.802 4.829 4.853 4.873 4.891 4.906 4.919 4.931 4.941 4.973 4.988 4.995 4.998 4.999

0 0.694 1.852 3.299 4.906 6.581 8.255 9.883 11.434 12.887 14.233 15.467 16.588 17.601 18.509 19.321 20.042 20.680 21.244 21.739 22.174 22.555 22.887 23.176 23.428 23.646 23.835 23.999 24.141 24.263 24.368 24.459 24.537 24.604 24.661 24.847 24.932 24.970 24.987 24.994

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55 60




583 25%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55

1.250 1.563 1.953 2.441 3.052 3.815 4.768 5.960 7.451 9.313 11.642 14.552 18.190 22.737 28.422 35.527 44.409 55.511 69.389 86.736 108.420 135.525 169.407 211.758 264.698 330.872 413.590 516.988 646.235 807.794 1 009.7 1 262.2 1 577.7 1 972.2 2 465.2 7 523.2 22 958.9 70 064.9 213 821.2

.8000 .6400 .5120 .4096 .3277 .2621 .2097 .1678 .1342 .1074 .0859 .0687 .0550 .0440 .0352 .0281 .0225 .0180 .0144 .0115 .00922 .00738 .00590 .00472 .00378 .00302 .00242 .00193 .00155 .00124 .00099 .00079 .00063 .00051 .00041 .00013 .00004 .00001

1.0000 .4444 .2623 .1734 .1218 .0888 .0663 .0504 .0388 .0301 .0235 .0184 .0145 .0115 .00912 .00724 .00576 .00459 .00366 .00292 .00233 .00186 .00148 .00119 .00095 .00076 .00061 .00048 .00039 .00031 .00025 .00020 .00016 .00013 .00010 .00003 .00001

1.2500 .6944 .5123 .4234 .3718 .3388 .3163 .3004 .2888 .2801 .2735 .2684 .2645 .2615 .2591 .2572 .2558 .2546 .2537 .2529 .2523 .2519 .2515 .2512 .2509 .2508 .2506 .2505 .2504 .2503 .2502 .2502 .2502 .2501 .2501 .2500 .2500 .2500 .2500

1.000 2.250 3.813 5.766 8.207 11.259 15.073 19.842 25.802 33.253 42.566 54.208 68.760 86.949 109.687 138.109 173.636 218.045 273.556 342.945 429.681 538.101 673.626 843.033 1 054.8 1 319.5 1 650.4 2 064.0 2 580.9 3 227.2 4 035.0 5 044.7 6 306.9 7 884.6 9 856.8 30 088.7 91 831.5 280 255.7 855 280.7

0.800 1.440 1.952 2.362 2.689 2.951 3.161 3.329 3.463 3.571 3.656 3.725 3.780 3.824 3.859 3.887 3.910 3.928 3.942 3.954 3.963 3.970 3.976 3.981 3.985 3.988 3.990 3.992 3.994 3.995 3.996 3.997 3.997 3.998 3.998 3.999 4.000 4.000 4.000

0 0.444 0.852 1.225 1.563 1.868 2.142 2.387 2.605 2.797 2.966 3.115 3.244 3.356 3.453 3.537 3.608 3.670 3.722 3.767 3.805 3.836 3.863 3.886 3.905 3.921 3.935 3.946 3.955 3.963 3.969 3.975 3.979 3.983 3.986 3.995 3.998 3.999 4.000

0 0.640 1.664 2.893 4.204 5.514 6.773 7.947 9.021 9.987 10.846 11.602 12.262 12.833 13.326 13.748 14.108 14.415 14.674 14.893 15.078 15.233 15.362 15.471 15.562 15.637 15.700 15.752 15.796 15.832 15.861 15.886 15.906 15.923 15.937 15.977 15.991 15.997 15.999

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45 50 55


584


30%


30%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45

1.300 1.690 2.197 2.856 3.713 4.827 6.275 8.157 10.604 13.786 17.922 23.298 30.287 39.374 51.186 66.542 86.504 112.455 146.192 190.049 247.064 321.184 417.539 542.800 705.640 917.332 1 192.5 1 550.3 2 015.4 2 620.0 3 406.0 4 427.8 5 756.1 7 483.0 9 727.8 36 118.8 134 106.5

.7692 .5917 .4552 .3501 .2693 .2072 .1594 .1226 .0943 .0725 .0558 .0429 .0330 .0254 .0195 .0150 .0116 .00889 .00684 .00526 .00405 .00311 .00239 .00184 .00142 .00109 .00084 .00065 .00050 .00038 .00029 .00023 .00017 .00013 .00010 .00003 .00001

1.0000 .4348 .2506 .1616 .1106 .0784 .0569 .0419 .0312 .0235 .0177 .0135 .0102 .00782 .00598 .00458 .00351 .00269 .00207 .00159 .00122 .00094 .00072 .00055 .00043 .00033 .00025 .00019 .00015 .00011 .00009 .00007 .00005 .00004 .00003 .00001

1.3000 .7348 .5506 .4616 .4106 .3784 .3569 .3419 .3312 .3235 .3177 .3135 .3102 .3078 .3060 .3046 .3035 .3027 .3021 .3016 .3012 .3009 .3007 .3006 .3004 .3003 .3003 .3002 .3001 .3001 .3001 .3001 .3001 .3000 .3000 .3000 .3000

1.000 2.300 3.990 6.187 9.043 12.756 17.583 23.858 32.015 42.619 56.405 74.327 97.625 127.912 167.286 218.472 285.014 371.518 483.973 630.165 820.214 1 067.3 1 388.5 1 806.0 2 348.8 3 054.4 3 971.8 5 164.3 6 714.6 8 730.0 11 350.0 14 756.0 19 183.7 24 939.9 32 422.8 120 392.6 447 018.3

0.769 1.361 1.816 2.166 2.436 2.643 2.802 2.925 3.019 3.092 3.147 3.190 3.223 3.249 3.268 3.283 3.295 3.304 3.311 3.316 3.320 3.323 3.325 3.327 3.329 3.330 3.331 3.331 3.332 3.332 3.332 3.333 3.333 3.333 3.333 3.333 3.333

0 0.435 0.827 1.178 1.490 1.765 2.006 2.216 2.396 2.551 2.683 2.795 2.889 2.969 3.034 3.089 3.135 3.172 3.202 3.228 3.248 3.265 3.278 3.289 3.298 3.305 3.311 3.315 3.319 3.322 3.324 3.326 3.328 3.329 3.330 3.332 3.333

0 0.592 1.502 2.552 3.630 4.666 5.622 6.480 7.234 7.887 8.445 8.917 9.314 9.644 9.917 10.143 10.328 10.479 10.602 10.702 10.783 10.848 10.901 10.943 10.977 11.005 11.026 11.044 11.058 11.069 11.078 11.085 11.090 11.094 11.098 11.107 11.110

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 40 45




585 35%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

1.350 1.822 2.460 3.322 4.484 6.053 8.172 11.032 14.894 20.107 27.144 36.644 49.470 66.784 90.158 121.714 164.314 221.824 299.462 404.274 545.769 736.789 994.665 1 342.8 1 812.8 2 447.2 3 303.8 4 460.1 6 021.1 8 128.5 10 973.5 14 814.3 19 999.3 26 999.0 36 448.7

.7407 .5487 .4064 .3011 .2230 .1652 .1224 .0906 .0671 .0497 .0368 .0273 .0202 .0150 .0111 .00822 .00609 .00451 .00334 .00247 .00183 .00136 .00101 .00074 .00055 .00041 .00030 .00022 .00017 .00012 .00009 .00007 .00005 .00004 .00003

1.0000 .4255 .2397 .1508 .1005 .0693 .0488 .0349 .0252 .0183 .0134 .00982 .00722 .00532 .00393 .00290 .00214 .00158 .00117 .00087 .00064 .00048 .00035 .00026 .00019 .00014 .00011 .00008 .00006 .00004 .00003 .00002 .00002 .00001 .00001

1.3500 .7755 .5897 .5008 .4505 .4193 .3988 .3849 .3752 .3683 .3634 .3598 .3572 .3553 .3539 .3529 .3521 .3516 .3512 .3509 .3506 .3505 .3504 .3503 .3502 .3501 .3501 .3501 .3501 .3500 .3500 .3500 .3500 .3500 .3500

1.000 2.350 4.173 6.633 9.954 14.438 20.492 28.664 39.696 54.590 74.697 101.841 138.485 187.954 254.739 344.897 466.611 630.925 852.748 1 152.2 1 556.5 2 102.3 2 839.0 3 833.7 5 176.5 6 989.3 9 436.5 12 740.3 17 200.4 23 221.6 31 350.1 42 323.7 57 137.9 77 137.2 104 136.3

0.741 1.289 1.696 1.997 2.220 2.385 2.508 2.598 2.665 2.715 2.752 2.779 2.799 2.814 2.825 2.834 2.840 2.844 2.848 2.850 2.852 2.853 2.854 2.855 2.856 2.856 2.856 2.857 2.857 2.857 2.857 2.857 2.857 2.857 2.857

0 0.426 0.803 1.134 1.422 1.670 1.881 2.060 2.209 2.334 2.436 2.520 2.589 2.644 2.689 2.725 2.753 2.776 2.793 2.808 2.819 2.827 2.834 2.839 2.843 2.847 2.849 2.851 2.852 2.853 2.854 2.855 2.855 2.856 2.856

0 0.549 1.362 2.265 3.157 3.983 4.717 5.352 5.889 6.336 6.705 7.005 7.247 7.442 7.597 7.721 7.818 7.895 7.955 8.002 8.038 8.067 8.089 8.106 8.119 8.130 8.137 8.143 8.148 8.152 8.154 8.157 8.158 8.159 8.160

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35


586


40%


40%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

1.400 1.960 2.744 3.842 5.378 7.530 10.541 14.758 20.661 28.925 40.496 56.694 79.371 111.120 155.568 217.795 304.913 426.879 597.630 836.682 1 171.4 1 639.9 2 295.9 3 214.2 4 499.9 6 299.8 8 819.8 12 347.7 17 286.7 24 201.4 33 882.0 47 434.8 66 408.7 92 972.1 130 161.0

.7143 .5102 .3644 .2603 .1859 .1328 .0949 .0678 .0484 .0346 .0247 .0176 .0126 .00900 .00643 .00459 .00328 .00234 .00167 .00120 .00085 .00061 .00044 .00031 .00022 .00016 .00011 .00008 .00006 .00004 .00003 .00002 .00002 .00001 .00001

1.0000 .4167 .2294 .1408 .0914 .0613 .0419 .0291 .0203 .0143 .0101 .00718 .00510 .00363 .00259 .00185 .00132 .00094 .00067 .00048 .00034 .00024 .00017 .00012 .00009 .00006 .00005 .00003 .00002 .00002 .00001 .00001 .00001

1.4000 .8167 .6294 .5408 .4914 .4613 .4419 .4291 .4203 .4143 .4101 .4072 .4051 .4036 .4026 .4018 .4013 .4009 .4007 .4005 .4003 .4002 .4002 .4001 .4001 .4001 .4000 .4000 .4000 .4000 .4000 .4000 .4000 .4000 .4000

1.000 2.400 4.360 7.104 10.946 16.324 23.853 34.395 49.153 69.814 98.739 139.235 195.929 275.300 386.420 541.988 759.783 1 064.7 1 419.6 2 089.2 2 925.9 4 097.2 5 737.1 8 033.0 11 247.2 15 747.1 22 046.9 30 866.7 43 214.3 60 501.0 84 702.5 118 584.4 166 019.2 232 427.9 325 400.0

0.714 1.224 1.589 1.849 2.035 2.168 2.263 2.331 2.379 2.414 2.438 2.456 2.469 2.478 2.484 2.489 2.492 2.494 2.496 2.497 2.498 2.498 2.499 2.499 2.499 2.500 2.500 2.500 2.500 2.500 2.500 2.500 2.500 2.500 2.500

0 0.417 0.780 1.092 1.358 1.581 1.766 1.919 2.042 2.142 2.221 2.285 2.334 2.373 2.403 2.426 2.444 2.458 2.468 2.476 2.482 2.487 2.490 2.493 2.494 2.496 2.497 2.498 2.498 2.499 2.499 2.499 2.500 2.500 2.500

0 0.510 1.239 2.020 2.764 3.428 3.997 4.471 4.858 5.170 5.417 5.611 5.762 5.879 5.969 6.038 6.090 6.130 6.160 6.183 6.200 6.213 6.222 6.229 6.235 6.239 6.242 6.244 6.245 6.247 6.248 6.248 6.249 6.249 6.249

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35




587 45%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

1.450 2.103 3.049 4.421 6.410 9.294 13.476 19.541 28.334 41.085 59.573 86.381 125.252 181.615 263.342 381.846 553.677 802.831 1 164.1 1 688.0 2 447.5 3 548.9 5 145.9 7 461.6 10 819.3 15 688.0 22 747.7 32 984.1 47 826.9 69 349.1 100 556.1 145 806.4 211 419.3 306 558.0 444 509.2

.6897 .4756 .3280 .2262 .1560 .1076 .0742 .0512 .0353 .0243 .0168 .0116 .00798 .00551 .00380 .00262 .00181 .00125 .00086 .00059 .00041 .00028 .00019 .00013 .00009 .00006 .00004 .00003 .00002 .00001 .00001 .00001

1.0000 .4082 .2197 .1316 .0832 .0543 .0361 .0243 .0165 .0112 .00768 .00527 .00362 .00249 .00172 .00118 .00081 .00056 .00039 .00027 .00018 .00013 .00009 .00006 .00004 .00003 .00002 .00001 .00001 .00001

1.4500 .8582 .6697 .5816 .5332 .5043 .4861 .4743 .4665 .4612 .4577 .4553 .4536 .4525 .4517 .4512 .4508 .4506 .4504 .4503 .4502 .4501 .4501 .4501 .4500 .4500 .4500 .4500 .4500 .4500 .4500 .4500 .4500 .4500 .4500

1.000 2.450 4.553 7.601 12.022 18.431 27.725 41.202 60.743 89.077 130.162 189.735 276.115 401.367 582.982 846.325 1 228.2 1 781.8 2 584.7 3 748.8 5 436.7 7 884.3 11 433.2 16 579.1 24 040.7 34 860.1 50 548.1 73 295.8 106 279.9 154 106.8 223 455.9 324 012.0 469 818.5 681 237.8 987 795.9

0.690 1.165 1.493 1.720 1.876 1.983 2.057 2.109 2.144 2.168 2.185 2.196 2.204 2.210 2.214 2.216 2.218 2.219 2.220 2.221 2.221 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222 2.222

0 0.408 0.758 1.053 1.298 1.499 1.661 1.791 1.893 1.973 2.034 2.082 2.118 2.145 2.165 2.180 2.191 2.200 2.206 2.210 2.214 2.216 2.218 2.219 2.220 2.221 2.221 2.221 2.222 2.222 2.222 2.222 2.222 2.222 2.222

0 0.476 1.132 1.810 2.434 2.972 3.418 3.776 4.058 4.277 4.445 4.572 4.668 4.740 4.793 4.832 4.861 4.882 4.898 4.909 4.917 4.923 4.927 4.930 4.933 4.934 4.935 4.936 4.937 4.937 4.938 4.938 4.938 4.938 4.938

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35


588


50%


50%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

1.500 2.250 3.375 5.063 7.594 11.391 17.086 25.629 38.443 57.665 86.498 129.746 194.620 291.929 437.894 656.814 985.261 1 477.9 2 216.8 3 325.3 4 987.9 7 481.8 11 222.7 16 834.1 25 251.2 37 876.8 56 815.1 85 222.7 127 834.0 191 751.1 287 626.6 431 439.9

.6667 .4444 .2963 .1975 .1317 .0878 .0585 .0390 .0260 .0173 .0116 .00771 .00514 .00343 .00228 .00152 .00101 .00068 .00045 .00030 .00020 .00013 .00009 .00006 .00004 .00003 .00002 .00001 .00001 .00001

1.0000 .4000 .2105 .1231 .0758 .0481 .0311 .0203 .0134 .00882 .00585 .00388 .00258 .00172 .00114 .00076 .00051 .00034 .00023 .00015 .00010 .00007 .00004 .00003 .00002 .00001 .00001 .00001

1.5000 .9000 .7105 .6231 .5758 .5481 .5311 .5203 .5134 .5088 .5058 .5039 .5026 .5017 .5011 .5008 .5005 .5003 .5002 .5002 .5001 .5001 .5000 .5000 .5000 .5000 .5000 .5000 .5000 .5000 .5000 .5000

1.000 2.500 4.750 8.125 13.188 20.781 32.172 49.258 74.887 113.330 170.995 257.493 387.239 581.859 873.788 1 311.7 1 968.5 2 953.8 4 431.7 6 648.5 9 973.8 14 961.7 22 443.5 33 666.2 50 500.3 75 751.5 113 628.3 170 443.4 255 666.1 383 500.1 575 251.2 862 877.8

0.667 1.111 1.407 1.605 1.737 1.824 1.883 1.922 1.948 1.965 1.977 1.985 1.990 1.993 1.995 1.997 1.998 1.999 1.999 1.999 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000

0 0.400 0.737 1.015 1.242 1.423 1.565 1.675 1.760 1.824 1.871 1.907 1.933 1.952 1.966 1.976 1.983 1.988 1.991 1.994 1.996 1.997 1.998 1.999 1.999 1.999 2.000 2.000 2.000 2.000 2.000 2.000

0 0.444 1.037 1.630 2.156 2.595 2.947 3.220 3.428 3.584 3.699 3.784 3.846 3.890 3.922 3.945 3.961 3.973 3.981 3.987 3.991 3.994 3.996 3.997 3.998 3.999 3.999 3.999 4.000 4.000 4.000 4.000

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32




589 60%


Arithmetic Gradient

n









n

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

1.600 2.560 4.096 6.554 10.486 16.777 26.844 42.950 68.719 109.951 175.922 281.475 450.360 720.576 1 152.9 1 844.7 2 951.5 4 722.4 7 555.8 12 089.3 19 342.8 30 948.5 49 517.6 79 228.1 126 765.0 202 824.0 324 518.4 519 229.5

.6250 .3906 .2441 .1526 .0954 .0596 .0373 .0233 .0146 .00909 .00568 .00355 .00222 .00139 .00087 .00054 .00034 .00021 .00013 .00008 .00005 .00003 .00002 .00001 .00001

1.0000 .3846 .1938 .1080 .0633 .0380 .0232 .0143 .00886 .00551 .00343 .00214 .00134 .00083 .00052 .00033 .00020 .00013 .00008 .00005 .00003 .00002 .00001 .00001

1.6000 .9846 .7938 .7080 .6633 .6380 .6232 .6143 .6089 .6055 .6034 .6021 .6013 .6008 .6005 .6003 .6002 .6001 .6011 .6000 .6000 .6000 .6000 .6000 .6000 .6000 .6000 .6000

1.000 2.600 5.160 9.256 15.810 26.295 43.073 69.916 112.866 181.585 291.536 467.458 748.933 1 199.3 1 919.9 3 072.8 4 917.5 7 868.9 12 591.3 20 147.1 32 236.3 51 579.2 82 527.6 132 045.2 211 273.4 338 038.4 540 862.4 865 380.9

0.625 1.016 1.260 1.412 1.508 1.567 1.605 1.628 1.642 1.652 1.657 1.661 1.663 1.664 1.665 1.666 1.666 1.666 1.666 1.667 1.667 1.667 1.667 1.667 1.667 1.667 1.667 1.667

0 0.385 0.698 0.946 1.140 1.286 1.396 1.476 1.534 1.575 1.604 1.624 1.638 1.647 1.654 1.658 1.661 1.663 1.664 1.665 1.666 1.666 1.666 1.666 1.666 1.667 1.667 1.667

0 0.391 0.879 1.337 1.718 2.016 2.240 2.403 2.519 2.601 2.658 2.697 2.724 2.742 2.754 2.762 2.767 2.771 2.773 2.775 2.776 2.777 2.777 2.777 2.777 2.778 2.778 2.778

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28


590

COMPOUND INTEREST TABLES Continuous Compounding—Single Payment Factors

rn

Compound Amount Factor ern Find F Given P F/P

Present Worth Factor e−rn Find P Given F P/F

.01 .02 .03 .04 .05 .06 .07 .08 .09 .10 .11 .12 .13 .14 .15 .16 .17 .18 .19 .20 .21 .22 .23 .24 .25 .26 .27 .28 .29 .30 .31 .32 .33 .34 .35 .36 .37 .38 .39 .40 .41 .42 .43 .44 .45 .46 .47 .48 .49 .50

1.0101 1.0202 1.0305 1.0408 1.0513 1.0618 1.0725 1.0833 1.0942 1.1052 1.1163 1.1275 1.1388 1.1503 1.1618 1.1735 1.1853 1.1972 1.2092 1.2214 1.2337 1.2461 1.2586 1.2712 1.2840 1.2969 1.3100 1.3231 1.3364 1.3499 1.3634 1.3771 1.3910 1.4049 1.4191 1.4333 1.4477 1.4623 1.4770 1.4918 1.5068 1.5220 1.5373 1.5527 1.5683 1.5841 1.6000 1.6161 1.6323 1.6487

.9900 .9802 .9704 .9608 .9512 .9418 .9324 .9231 .9139 .9048 .8958 .8869 .8781 .8694 .8607 .8521 .8437 .8353 .8270 .8187 .8106 .8025 .7945 .7866 .7788 .7711 .7634 .7558 .7483 .7408 .7334 .7261 .7189 .7118 .7047 .6977 .6907 .6839 .6771 .6703 .6637 .6570 .6505 .6440 .6376 .6313 .6250 .6188 .6126 .6065

rn

Compound Amount Factor ern Find F Given P F/P

Present Worth Factor e−rn Find P Given F P/F

.51 .52 .53 .54 .55 .56 .57 .58 .59 .60 .61 .62 .63 .64 .65 .66 .67 .68 .69 .70 .71 .72 .73 .74 .75 .76 .77 .78 .79 .80 .81 .82 .83 .84 .85 .86 .87 .88 .89 .90 .91 .92 .93 .94 .95 .96 .97 .98 .99 1.00

1.6653 1.6820 1.6989 1.7160 1.7333 1.7507 1.7683 1.7860 1.8040 1.8221 1.8404 1.8589 1.8776 1.8965 1.9155 1.9348 1.9542 1.9739 1.9937 2.0138 2.0340 2.0544 2.0751 2.0959 2.1170 2.1383 2.1598 2.1815 2.2034 2.2255 2.2479 2.2705 2.2933 2.3164 2.3396 2.3632 2.3869 2.4109 2.4351 2.4596 2.4843 2.5093 2.5345 2.5600 2.5857 2.6117 2.6379 2.6645 2.6912 2.7183

.6005 .5945 .5886 .5827 .5769 .5712 .5655 .5599 .5543 .5488 .5434 .5379 .5326 .5273 .5220 .5169 .5117 .5066 .5016 .4966 .4916 .4868 .4819 .4771 .4724 .4677 .4630 .4584 .4538 .4493 .4449 .4404 .4360 .4317 .4274 .4232 .4190 .4148 .4107 .4066 .4025 .3985 .3946 .3906 .3867 .3829 .3791 .3753 .3716 .3679

Tabel bunga ekonomi teknik

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